A full comprehensive insurance also covers damage to your own vehicle in the event of an at-fault accident. A partial comprehensive insurance is limited to risks such as theft, fire, and glass breakage.
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Comprehensive insurance
Your car is an important investment that you want to protect as much as possible. With a comprehensive insurance policy, you opt for maximum security. You are not only insured for damage to others, but also for damage to your own vehicle, even if you are at fault.
What is a comprehensive insurance?
A comprehensive insurance insurance is the most comprehensive car insurance, in addition to the mandatory third-party liability insurance.
This package protects your car against almost all risks, regardless of who is responsible for the damage. You are insured for:
- Damage to your own vehicle in an accident, even if you are at fault
- Theft or attempted theft
- Fire and explosion
- Glass breakage
- Damage caused by storm, hail, and other natural forces
- Vandalism
- Collision with animals or damage caused by rodents
In contrast to a partial comprehensive insurance, which only covers specific risks, a full omnium offers broader protection for your vehicle.
What are the benefits?
Covers damage to your own vehicle, even if it’s your own fault.
Covers both accidents and external risks such as theft and vandalism.
Ensures that your car is quickly repaired or that compensation is paid out, without losing time over liability issues.
Covers maximum financial protection in case of total loss.
Who is this insurance for?
A full comprehensive insurance is especially interesting for:
- Owners of new or recent cars
- Drivers with a leasing or financing contract
- People who use their car intensively
- Anyone who wants maximum security and comfort
For older vehicles, this option is chosen less often, because the premium is then less in proportion to the value of the car.
What is covered and what is not?
What is covered?
- Damage to your own vehicle in the event of an accident, including if you are at fault
- Theft or attempted theft
- Fire and explosion
- Glass breakage
- Damage caused by storms, hail and other natural forces
- Vandalism
- Collision with animals or damage caused by rodents
What is not covered?
- Normal wear and tear or mechanical faults
- Damage caused by poor maintenance
- Intentional damage
- Damage caused whilst under the influence of alcohol or drugs
- Use outside the terms of the contract
How much does this insurance cost?
The premium of a comprehensive insurance is determined by:
- The value and age of your vehicle
- The type of car and its power
- Your driving profile and claims history
- The chosen deductible (excess)
- The insured value and any options
- The chosen depreciation rate
"Thanks to your intervention as a broker, I have a car that's like new again."
Family S. from Berlaar
Our promise to you
Personal & committed
a tailor-made partner
Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
Expertise & experience
already 80 years in insurance
With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
Security & peace of mind
protection for today and tomorrow
We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Do you want to be sure that your car is fully protected? Then a comprehensive car insurance policy is the right choice.
Van Dessel helps you:
- Determine the right coverage
- Optimally tailor the deductible and conditions
- Ensure your insurance perfectly matches your car and usage
Request a free quote and discover how to maximize the protection for your car.
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