Germany’s Kfz-Haftpflicht vs Teilkasko and Vollkasko
Compulsory liability vs optional own-damage layers. Plain-English education for readers comparing options—not a quote or personalized advice.
Alex Rivera1 min read
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German motor shopping usually starts with Kfz-Haftpflicht (compulsory liability). Teilkasko and Vollkasko are optional layers for damage to your own vehicle. Mixing those labels is the most common beginner mistake.
Educational only—see Germany and BaFin consumer pages linked there.
Plain map
| Layer | Typical job |
|---|---|
| Kfz-Haftpflicht | Liability toward others |
| Teilkasko | Selected own-vehicle perils (e.g. theft, glass—check wording) |
| Vollkasko | Broader own-damage including many collision scenarios |
Always read your schedule; table is orientation only.
Related: Germany · Motor topic
Frequently asked questions
Is Teilkasko compulsory?+
No. Kfz-Haftpflicht is the compulsory liability layer. Teilkasko and Vollkasko are optional own-damage styles—verify locally.