Hi! I just clicked through a few insurance calculators, and I noticed that often part and all-inclusive are offered together. Also the nice insurance lady earlier on the phone did that. Unfortunately I didn’t really think about it at first, otherwise I would have asked them. But maybe this is still a FAQ post here. So: What sense does it make to have VK and TK running on a vehicle at the same time? The VK covers the TK services. I’m not going anywhere.