Why take out comprehensive insurance?

The compulsory Civil Liability insurance only covers any damage you cause to third parties. Any damage to your own vehicle is not covered. It’s best to take out an additional cover for this: comprehensive insurance. This extension is not required by law, but it is certainly recommended in a number of cases.

What risks are covered by a comprehensive insurance?

A fully comprehensive insurance or full omnium insurance covers virtually all damage to your own vehicle, regardless of whether you are liable or not:

  • fire
  • glass breakage
  • natural forces, storms and hail
  • collisions with animals
  • (attempted) burglary or theft
  • damage caused by martens
  • self-inflicted damage
  • hit-and-run offences
  • vandalism

A partially comprehensive insurance policy only covers part of these risks. Only the claims that are clearly included in the insurance contract will be reimbursed. It is therefore recommended to consult with your broker to identify the formula that is most suitable for you.

To what should you pay attention when taking out a comprehensive insurance policy?

Civil Liability and comprehensive insurance policies cover damage to third parties and to your vehicle, but not any damage and injuries you incur as the driver. To cover these, it’s best to take out a driver’s insurance policy.

Comprehensive insurance for your Tesla or electric car

Read more about our specialised insurance solution for Teslas and other electric vehicles.

Want to stay up-to-date with the most important insurance news? Sign up for our quarterly newsletter.

Previous newsletters