Third-party liability is compulsory, but it doesn't cover your own vehicle. That's the job of comprehensive cover: the point is to choose the right plan without paying for nothing.
La Partial comprehensive covers damage to your vehicle without a collision: theft, hail, glass breakage, fire, collision with an animal, natural forces. Full comprehensive adds collision damage for which you're responsible, as well as vandalism.
Simple rule: a new or recent car (under 5 to 7 years) generally justifies full comprehensive. Beyond that, partial comprehensive is often enough, as the payout follows the vehicle's value.
The deductible amount, the no-claims discount and the add-on covers (bonus protection, replacement value, personal effects) vary the premium greatly. We adjust each parameter to your real use.
No. Only third-party liability is. Comprehensive cover is optional, but often required with leasing or a car loan.
Yes, and it's even recommended as your car's value drops. We let you know the right moment.
As with health insurance, the comprehensive deductible varies your premium: the higher it is, the less you pay each year, but the more you contribute in a claim. The right level depends on your budget and risk appetite.
Also think of the covers that make a difference: bonus protection, replacement value, personal effects, breakdown assistance. They add little to the premium but a lot in a crisis.
Yes, theft is covered from partial comprehensive. Full comprehensive adds collision damage and vandalism.
We compare the offers and calibrate your protection to your real needs.
Request my free review →