Partial and Fully Comprehensive Coverage are both optional car insurance policies. They offer additional protection to mandatory Third Party Liability. In this article, we explain what Fully Comprehensive Coverage is, what it covers, and what you should be aware of.
Fully Comprehensive Coverage protects you against damage to your car – even if you are responsible for an accident. It also covers damage to your car caused by vandalism. This makes it the complete insurance package for you and your car.
When purchasing Fully Comprehensive Coverage, you should make sure it contains what is known as the "waiver of the plea of gross negligence". If you have this, your insurer will not check in the event of a claim whether you caused the accident through gross negligence. This means that even if you used your mobile phone while driving, missed a red light, or exceeded the speed limit, Fully Comprehensive Coverage compensates you. An exception to this is if you were driving while under the influence of drugs or alcohol and caused an accident. In this instance, your insurance will not cover the damage. It’s always best to check your insurance contract to see whether this waiver clause is included.
As with Third Party Liability insurance, the price for Fully Comprehensive Coverage varies greatly. Factors that influence the price are the car model (type class), region (regional class), and how much you drive your car per year. The amount you select as your deductible also plays a role. Your premium will be cheaper if you choose a higher deductible, and if you are classified in a high bonus-malus class. We recommend choosing a deductible of 300 euros for Fully Comprehensive Coverage. An additional benefit of Fully Comprehensive Coverage is that you can opt to use a garage partner network for repairs. This means that only garages in the network can repair your car. If you choose this option, you receive a discount on your insurance premium.
You can learn more about how car insurance prices are calculated here.
If you have a new car that’s around three to five years old or one that is particularly valuable, Fully Comprehensive Coverage is usually a good fit. It’s also advisable to opt for Fully Comprehensive Coverage if you’re paying for your car in installments or if you lease your car. If you lease your car, this level of cover may be mandatory.