Optional auto insurance guarantees

Optional auto insurance guarantees

The insured who does not find the civil liability cover sufficiently protective can choose to take out more extensive cover and protect themselves against more situations. These options and extended guarantees will automatically revalue the auto insurance premium upwards. They can relate to damage to the vehicle, specific uses or cover goods inside the car.

Vehicle damage guarantees

Taking out damage guarantees in addition to third-party insurance allows you to benefit from compensation when the insured vehicle is damaged as a result of a disaster.

To always benefit from optimal coverage by insurance, it is necessary to declare the installation of special accessories (rims, radio, telephone, roof box, etc.) on the insured vehicle.
Damage guarantee for all accidents or all risks

The comprehensive guarantee covers all damage to the vehicle regardless of the circumstances of the accident or the driver's responsibility.

Collision damage coverage

This guarantee reimburses the damage caused to the vehicle in the event of a collision with another car, a pedestrian or an animal. In each case, the owner of the vehicle concerned, the pedestrian or the animal must be identified. If this is not the case, ie the car is on the run or it is a wild animal, then no refund is possible.

The fire and theft guarantee

The fire and theft guarantee compensates the owner of the vehicle when it is damaged or destroyed by fire, or when it is stolen. Compensation varies according to the conditions provided for by the insurance: it can be based on the value of the car at the time of the accident or on a conventional value indicated in the contract.

The vandalism guarantee, sometimes associated with the theft guarantee, covers the insured against all risks of graffiti, scratches, broken mirrors, etc.

Glass breakage guarantee

The broken glass cover will come into play in the event of damage to the windshield of the insured vehicle. If the insurance contract so provides, this cover can be extended to side, rear and roof windows as well as to headlight optics or exterior mirrors.