The motor vehicle comprehensive insurance covers damage to your own car in case of self-inflicted accidents as well as theft, fire and natural hazards such as flood, storm, hail etc.
For this reason, it is especially for new cars as all-round protection completed and perceived.
A comprehensive insurance should not be a reason to feel invulnerable in traffic, at least as far as financial damage is concerned.
Because it does not come up for anything, especially in cases of gross negligence. We’ll tell you what you should know about it.
If you incur an accident, the motor vehicle liability insurance covers the damages of the other party to the accident. Only with a fully comprehensive insurance, the damage to your own vehicle are covered. The partial coverage covers damage caused without your fault due to force majeure or theft. Many insurers also offer the option of partial comprehensive insurance to insure damage, such as parking or vandalism damage, by unknown third parties against a surcharge.
And yet: In the event of accidents or other damage caused by gross negligence on your part, the insurance company is not obliged to pay for your comprehensive damage. And there are several reasons other than the usual gross violations of the Highway Code, such as driving in an alcoholic state or crossing a red crossroads. We are talking about frequent situations where the driver would have foreseen and prevented the damage through brief reflection can. Below we describe a few such cases.
Tip: Although there are some comprehensive insurance policies where gross negligence can be covered, this increases the premium by around 5 to 10 percent.
1. Leave the ignition key visibly in the car
Clearly an invitation to a car thief can not be. This probably does not pay car insurance, even if the car is locked.
2. Unlocked vehicle on private property
If the area is freely accessible and you leave the car unlocked and without any protection, including keys, no insurance pays – even if it is a private property or company premises. It does not matter if the key is well hidden in or near the vehicle (eg in the glove box, fuel cap). If the thief gets in without breaking anything, every insurance goes down.
3. Unattended car key
If you are traveling somewhere, always use safes to store your ignition keys. From an unattended bag or behind the counter of the hotel reception this can easily be stolen unnoticed. If the car is then stolen, the hull will most likely not pay.
4. Parking the vehicle in unsafe areas
If you are traveling in dubious, dangerous or leaving districts or areas, you should rather look for a guarded and provided parking space. In particular , when traveling by car is to pay attention to a monitored hotel car park. If this is full or there is none available, one should not dodge on an unsecured place. If the car is then stolen, then it is probably not enough for the comprehensive insurance as an argument, if the unsecured parking is right near or opposite the hotel.
Gross negligence is all the more assumed when the vehicle evidently is a valuable stolen property. Your BMW limousine should not necessarily park in a side street.
In a Motodrad often not activating the anti-theft device or the steering wheel lock on public parking lots is a ground for refusal in case of damage.
5. Parking on steep or unstable terrain
If you park your car on a sloping road with the 2nd gear engaged and without applying the handbrake, you can also count on refusal in case of damage. The same applies to parking on unstable ground, which is endangered by severe weather and environmental damage . So always secure your vehicle before unrolling and avoid sources of danger such as decaying trees, earth and rock masses or large quantities of water.