Covers material damage and bodily harm caused to third parties. Within the limits set forth by law, the injured party will be compensated for the amount of damages suffered by their person or belongings as a result of a traffic incident for which the driver or owner of the insured vehicle is liable.

• Fine and loss of points handling: we will advise you by telephone about the steps that must be taken in appeals against fines and will handle ordinary appeals against the penalties set forth in the Road Traffic Act. Furthermore, we will reimburse you for the enrolment fees of driver re-education courses to recover points fully or partially, as from the loss of four points.

• Replacement vehicle: an optional guarantee so that, in the event of theft, attempted theft, fire or immobilisation of the insured vehicle as a consequence of an accident and where the time spent in a workshop exceeds 24 hours, you will have a free rental vehicle at your disposal from the first day until the repair is completed. In the case of an accident or damage resulting from attempted theft, up to 12 days. In the case of outright theft, up to 40 days. In the case of fire, up to 20 days.

• Extended travel assistance: in addition to roadside assistance for your vehicle and people, this includes, if necessary, extensive vehicle assistance coverage, such as towing the vehicle off ordinary roads, mechanical advice by telephone, assistance to people and emergency medical assistance on the road.

• Increase of driver accident coverage due to death and total and permanent invalidity to €60,000.

The main difference of comprehensive insurance as compared to the different third-party liability insurance options is that, aside from covering the damage caused to third parties, it also includes coverage for own damage.

The excess is the amount or premium percentage which the insured party must pay in the event of submitting a claim.