Comprehensive damage coverage provides extensive coverage to protect your vehicle, even in the event of liability or unforeseen circumstances.
The comprehensive damage guarantee is one of the most comprehensive options in a car insurance contract. It offers extensive coverage for your vehicle, regardless of the circumstances of an accident, even in the event of liability or the absence of an identified third party. Find out everything you need to know about this essential guarantee to protect your vehicle.
1. What is the Comprehensive Damage Guarantee?
The comprehensive damage guarantee covers material damage to your vehicle, regardless of the cause or liability. It applies in a variety of situations, such as:
- Collision with another vehicle, even if you are at fault.
- Impacts against a fixed obstacle (wall, tree, post).
- Accidents without an identified third party (damage caused by an animal or an act of vandalism).
- Skids or accidents caused by bad weather (rain, snow, ice).
Please note: This guarantee is generally included in comprehensive insurance contracts and can be taken out in addition to basic insurance.
2. Why take out comprehensive damage insurance?
This guarantee offers peace of mind and optimal protection for drivers wishing to minimize financial surprises:
a. Extended Coverage
Unlike third party or extended third party insurance, it covers material damage, regardless of liability.
b. Financial Security
The cost of repairing or replacing a vehicle can be high. This warranty helps avoid large, unexpected expenses.
c. Added Value for Recent or High-End Vehicles
For new or expensive cars, this warranty guarantees maximum protection, including compensation close to the purchase value in certain cases.
3. What does the Comprehensive Damage Guarantee cover?
Items covered by this warranty include:
- Mechanical and bodywork repairs : In the event of shock, collision or impact.
- Total vehicle replacement : If repairs are more expensive than the value of the vehicle.
- Damage caused by weather events : Such as hail, storms or floods.
- Towing and recovery costs : Often included in the warranty.
Beware of exclusions : Certain circumstances are not covered, such as damage caused intentionally, mechanical breakdowns or accidents occurring under the influence of alcohol or narcotics.
4. How much does comprehensive damage cover cost?
The price of this guarantee depends on several factors:
- The value of your vehicle : The more expensive the car, the higher the premium will be.
- Your driver profile : Young drivers or those with a history of claims often pay more.
- The amount of the deductible : A high deductible reduces the cost of the premium, but increases the costs to be paid in the event of a claim.
Tip: Compare offers and ask a broker like KT Assur&Bank for advice to find the best value for money.
5. Why choose KT Assur&Bank for your All Accident Damage Guarantee?
At KT Assur&Bank , we offer you personalized insurance contracts including all-accident damage cover:
- Expert advice : Analysis of your situation and recommendations tailored to your vehicle.
- Access to the best offers : Thanks to our partnerships with the biggest insurance companies.
- Full support : Assistance with administrative procedures and rapid claims management.
Conclusion
The comprehensive damage guarantee is essential coverage to protect your vehicle in all situations, even in the event of liability or unforeseen events. It is particularly recommended for owners of recent or high-end vehicles, or for those who wish to drive with complete peace of mind.
Contact KT Assur&Bank today for a personalized quote and benefit from optimal protection for your vehicle.