Electric cars often have a higher vehicle value and require specialised repairs, which can make the premium higher than for a conventional car. Thanks to our specialised solution, this does not always have to be the case.
Solutions
VD Electric Vehicle
Insuring an electric car requires a specific approach. The technology, repairs, and vehicle values differ greatly from conventional vehicles.
The VD Electric Vehicle insurance has been developed as a specialized solution for TESLA drivers and a limited number of 100% electric vehicles, with tailored coverages and a targeted approach.
With this plan, you benefit from customized coverages, specialized claims handling, and an insurance solution that takes the characteristics of electric driving into account.
What is a VD Electric Vehicles insurance?
The VD Electric Vehicles insurance is a car insurance for a selection of fully electric vehicles:
- Tesla
- Porsche Taycan
- Audi E-tron
- Mercedes EQC
Other electric vehicles and hybrid cars are not included in this solution.
The insurance combines classic car coverage with a focus on the specific features of electric vehicles, such as their higher vehicle value and specialized repairs.
What are the benefits?
Covers electric vehicles with specialized, tailored insurance.
Insure your car based on a clear catalog value approach.
Covers claims with tailored follow-up and handling.
Insure your vehicle under competitive terms within this niche segment.
Who is this insurance for?
The VD Electric Vehicles insurance is aimed at:
- Owners of a Tesla, Porsche Taycan, Audi e-tron or Mercedes EQC
- Private individuals
- Self-employed
- Companies
- Leasing drivers
The plan is suitable for both new and recent electric vehicles that fall within the accepted vehicle categories.
What is covered and what is not?
What is covered?
- Third-party liability (standard cover)
- Comprehensive cover for your vehicle (optional additional cover)
- Theft, fire and glass breakage (optional additional cover)
- Damage caused by natural forces (optional additional cover)
- Driver accident insurance (optional additional cover)
- Driver accident insurance (optional additional cover)
- Personal assistance (optional additional cover)
- Legal expenses insurance (optional additional cover)
What is not covered?
- Intentional damage
- Damage caused whilst under the influence of alcohol or drugs
- Normal wear and tear
- Lack of maintenance
- Use not in accordance with the terms of the policy
How much does this insurance cost?
The premium is determined based on various factors, including:
- Details of the main driver
- Residence of the main driver
- Claims history of the main driver
- Vehicle characteristics
- Catalogue value of the vehicle 
- Chosen coverages
Electric vehicles often require specialized repairs, making an accurate valuation extremely important.
Van Dessel not only compares prices, but also terms and coverages, so you are insured according to your car’s needs.
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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?
Are you looking for insurance that is truly tailored to electric driving?
Do you want to insure your Tesla or another eligible electric vehicle better than with a standard car insurance policy?
Or would you like a comparison of your current policy?
Our specialists are happy to advise you and provide you with a transparent, customized quote based on your vehicle and usage.
Need help? Contact us.
Didn't find the answer to your question or would you like to discuss your situation with a specialist? Our colleagues are happy to assist you.
Prefer quicker help? Check out our frequently asked questions.
Our experts
VD Electric Vehicle Solutions is a product offered by insurance company Vivium, a brand of P&V Verzekeringen. This insurance covers the risks associated with owning and driving a car. Only civil liability coverage is mandatory by law but you can increase your protection by taking out additional insurance covers relating to your vehicle, your mobility or your person.
Brief description of the coverages offered
For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.
Civil Liability
If you are liable for an accident, we insure your interests and the material and physical damage caused to third parties. We also insure the damage caused to vulnerable road users (pedestrians, cyclists and passengers), even if you are not liable for the accident.
Legal Assistance
We cover your recourse against a liable third party for your bodily injury or the material damage to the insured vehicle. We insure your criminal defence in case you are prosecuted for any traffic offence. If legal proceedings are necessary, you are free to choose your own lawyer.
The Legal Assistance coverage is limited: we insure up to € 125,000.00 including VAT.
Driver Protection
We cover your bodily injury as driver of the insured vehicle if you are liable for the accident. The contract provides for compensation in the event of death, permanent disability or temporary incapacity, and for the reimbursement of treatment costs. You can choose between different insurance limits.
Car Own Damage
To insure damage caused to the insured vehicle, you can choose between the following covers:
- Glass breakage: breakage of the windscreen, side windows, rear window or sunroof window.
- Fire: damage caused by fire, explosion or short-circuit.
- Natural forces: damage caused by storm, hail, flood or other natural disasters and any damage caused by animals.
- Material damage: damage caused by accident or vandalism.
- Theft: disappearance or damage as a result of (attempted) theft (including carjacking or home jacking).
Within the framework of the cover for material damage, a fixed deductible of € 950.00 or € 650.00 is always applicable, depending on the model.
Assistance
As part of the vehicle assistance, we guarantee the following assistance in case of an accident, theft, breakdown or any other incident (tyre puncture, problems with keys or fuel):
- repair or towing of the insured vehicle.
- the passengers’ return to their place of residence or continuation of their journey or accommodation expenses or provision of a replacement vehicle.
As part of the personal assistance, we organize and guarantee assistance:
- to the insured sick or injured persons (repatriation, presence of a close relative, costs of extended hotel stay, return trip of the insured fellow travellers).
- in the event of death of the insured person (repatriation of the mortal remains or burial costs abroad).
- in case of other events, such as search and rescue costs or advance of funds.
Brief description of the major risks NOT covered by the insurance
For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.
Civil Liability
Damage suffered by the driver who was liable for the accident.
Material damage to the insured vehicle.
Legal Assistance
Fines, surcharges and amicable settlements.
Driver Protection
Permanent disability of less than 8%.
The first month of temporary disability.
Car Own Damage
Damage resulting from theft or attempted theft:
- if the vehicle is parked in a public place and you have not locked the doors or left the keys in a visible place in the vehicle.
- If you have not reported the theft to the police within 24 hours.
Damage caused by wear and tear of the Vehicle or by a mechanical defect or construction error.
Assistance
Stay abroad for more than 3 months
General Terms and Conditions and Contractual Documents
The IPID sheet (Information document on insurance product) can be found here.
The general terms and conditions of this insurance product can be found here.
It is essential that you review these documents before giving your approval to the financial product or signing it. The documents are available via the above links or can be requested from our office.
Legal Information and Complaints Management
The insurance contract is governed by Belgian law.
Origin of the product developer: product offered by Vivium, brand of P&V Verzekeringen, Rue Royale 151, 1210 Brussels.
Location where you can get a quote together with a calculation of the premium: Verzekeringskantoor Van Dessel NV, Misstraat 112, 2590 Berlaar.
The term of the product is one year. After the end date, your policy will be tacitly renewed for one year at a time, unless you (notice period of 2 months) or we (notice period of 3 months) cancel the policy by registered mail, by bailiff's writ or by delivery of the termination letter against receipt, subject to compliance with the aforementioned notice period. If you are a consumer, you can terminate the tacitly renewable contracts without any costs or penalties after the expiry of a period of one year from the start of the insurance contract. The termination shall take effect after the expiry of a period of two months.
Any complaint regarding this offer or the insurance contract can be addressed to the internal complaints department of Verzekeringskantoor Van Dessel NV, Misstraat 112, 2590 Berlaar, info@vandessel.be.
If you disagree with the outcome of the complaint handling, you can submit a complaint to the VZW Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels; Tel No: 02/ 547 58 71; Fax No: 02/ 547 59 75; info@ombudsman-insurance.be; www.ombudsman-insurance.be. Complaints must be submitted in writing. Submitting a complaint does not affect the policyholder's right to take legal action.