Need comprehensive car insurance or not?

How can you protect yourself financially against damage to your car?

Need comprehensive car insurance or not?

How can you protect yourself financially against damage to your car?

Buying a car – new or second-hand – is a major investment. Compulsory third-party insurance covers the damage you cause to others. But what if your car is vandalised or stolen?

What is comprehensive insurance?

Comprehensive insurance covers damage to your own vehicle. There are two kinds of comprehensive insurance: fully and semi-comprehensive.

Fully or semi-comprehensive?

Fully comprehensive

As well as theft, glass breakage, force majeure and fire, a fully comprehensive policy also covers damage to your own vehicle, even if you are at fault or if the other party is unknown. De volledige omnium is ook gekend als de full omnium.
Not all fully comprehensive cover policies are the same.

  • Multi-risk comprehensive insurance: the risks for which you are covered are listed in the general conditions. You are only covered in the cases listed.
  • All-risk comprehensive insurance: all losses are covered unless they are explicitly included in the list of items not insured in the general conditions.

Partial (semi-)comprehensive

Does not usually cover damage to your vehicle if you are held liable. The losses listed in your policy are covered.
You should take out partial comprehensive cover, also often called semi- or mini-comprehensive, if you are buying a car that is slightly older (four to five years as a rule of thumb). Semi-comprehensive still covers you for:

  • theft or attempted theft
  • glass breakage
  • forces of nature (hail, storm, etc.)
  • fire
This insurance cover is the perfect successor to your fully comprehensive insurance.

Is it worth taking out comprehensive insurance?

Comprehensive insurance is not required by law, but does offer additional cover. Whether or not you take out comprehensive insurance is a matter of personal preference.

As a rule of thumb, you should take out fully comprehensive insurance at least until your car is four or five years old. You should then take out semi-comprehensive insurance.

How much will you pay for comprehensive insurance?

This depends on the following factors:

  • The insured value, make and date of first use of your car.
  • Your age, where you live, and how many claims you have made as a driver in the last five years.
  • The excess you choose: this is the amount you have to pay yourself, which is deducted from the indemnity you receive following a loss. The higher the excess, the less your comprehensive insurance will cost.

Fully and semi-comprehensive from KBC

KBC offers both fully and semi-comprehensive insurance. The main differences between fully and semi-comprehensive insurance from KBC are set out below.

Wat is verzekerd?


Partial (semi-) comprehensive Fully comprehensive 
Type of insurance Multi-risk insurance All-risks insurance
Covers damage to your own car, even if you are at fault  
Full assistance cover, including a replacement vehicle Paid option
  Read more about Semi-comprehensive insurance Read more about fully comprehensive insurance
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