Comprehensive vs Third-Party Comparison - New vehicle
Compare third-party, third-party+ and comprehensive insurance. Find the optimal coverage based on your vehicle's value and your profile.
💳 AUTO FINANCING: Monthly payments and credit costs shown are ESTIMATES based on average market rates. The actual APR depends on your profile (income, down payment, credit history), the lender, and current conditions. These calculations do NOT constitute a credit offer. For financing, contact multiple lenders and compare PERSONALIZED offers. Credit is a commitment and must be repaid.
Frequently Asked Questions
At what vehicle age should I switch to third-party?
Generally, when the vehicle value drops below €5,000-7,000 (often after 7-10 years), comprehensive becomes unprofitable. The premium difference no longer justifies the coverage.
Is third-party+ a good compromise?
Third-party+ (or extended third-party) offers excellent value for vehicles 3 to 8 years old. It covers theft, fire and glass breakage without the cost of comprehensive.
Should I keep comprehensive with a loan?
Yes, it's strongly recommended to keep comprehensive as long as the loan is not repaid, to be covered in case of total vehicle loss.