Maximum protection for your vehicle
The comprehensive insurance from nextsure offers extensive protection for your car against self-inflicted accidents, vandalism, and theft. Calculate your personalised rate online now and drive worry-free.
Protection in case of own fault
Cover against vandalism
Including partial cover benefits
What exactly does comprehensive insurance cover?
Self-inflicted accident damage
Vandalism & Wilful Destruction
Theft of the vehicle/parts
Natural Hazards (Windstorm, Hail, Lightning)
Comprehensive vs. Partial Cover: The Crucial Difference for Your Protection
Motor liability insurance is legally required and covers damages you cause to others. Partial coverage insurance takes it a step further and covers damage to your own vehicle caused by external influences such as theft, fire, explosion, natural events (storm, hail, lightning, flooding), animal collisions, glass breakage, or animal bite. However, it does not cover self-inflicted accidents or vandalism. This is where comprehensive insurance comes in: it includes all benefits of partial coverage and significantly expands protection to cover damage to your own vehicle from a self-inflicted accident as well as intentional damage caused by vandalism. The key difference lies in the protection against driving errors and malicious disturbances. While partial coverage is often sufficient for older vehicles with lower residual value, comprehensive coverage with nextsure is the first choice for new cars, young used cars, and financially valuable vehicles, ensuring comprehensive protection and avoiding nasty surprises. Choosing the right coverage depends on your vehicle's value, your need for security, and your risk tolerance.
OUR COMPREHENSIVE SERVICE
Services that impress
Own damage
Insurance for self-inflicted accident damage to your own vehicle.
Vandalism
Protection against malicious damage by third parties.
Partial Cover Plus
The comprehensive insurance automatically includes all important benefits of the partial coverage insurance, including vehicle theft, fire, explosion, damage caused by storms, hail, lightning, flooding, collision with animals, glass breakage, as well as animal bite damage to cables, hoses, and lines.
New value
Optional new-for-old or purchase price compensation for your vehicle.
GAP coverage
Sensible for leased and credit-financed vehicles in the event of a total loss.
Digital Process
Simple online sign-up and digital claims reporting.
Independent Workshop
At nextsure, you have the option to agree to free choice of workshop and decide for yourself in case of damage where your vehicle will be repaired. Alternatively, you can benefit from lower premiums with our workshop agreement and our partner network.
SF protection
Optional protection against the downgrade of your no-claims bonus class.
Online Consultation
Expert advice from specialists, available digitally and with ease.
Benefit from comprehensive coverage and digital advantages at nextsure.
Ready for all-round care?
Your comprehensive insurance with nextsure.
When is comprehensive car insurance sensible for you?
The decision to take out comprehensive insurance is an important balance between cost and maximum protection. It is particularly advisable for new cars and young used vehicles, typically up to five to seven years old, as the depreciation in the event of a total loss or extensive repairs could be significant. Comprehensive insurance also provides reassuring coverage for vehicles with a high financial value, regardless of age. If the vehicle is leased or financed through a loan, comprehensive insurance is often even a contractual obligation of the leasing or credit provider to secure their investment. New drivers, who statistically have a higher risk of accidents, also benefit from the comprehensive protection of the coverage. Ultimately, it is also a question of personal safety needs: those who do not wish to be left with high costs in the event of an at-fault accident or vandalism will find the right solution with comprehensive insurance from nextsure. Weigh the annual costs against the potential financial damage – often the premium for comprehensive insurance is less than the repair costs for a single major damage.
Excess in comprehensive insurance: How to save costs?
The deductible, also known as the excess, is an amount you bear yourself in the event of a claim before the insurance takes over the remaining costs. With comprehensive insurance, you can usually set the amount of the deductible separately for both fully comprehensive claims (e.g. self-inflicted accidents, vandalism) and partial comprehensive claims (e.g. theft, glass breakage), which are included in the comprehensive cover. A common combination, for example, is a €300 deductible for fully comprehensive claims and €150 for partial comprehensive claims. Opting for a higher deductible results in a lower annual insurance premium, as you assume a higher personal risk. Conversely, a lower deductible means higher premiums but lower costs in the event of a claim. At nextsure, you can adjust the deductible flexibly to suit your financial situation and risk appetite. Consider what amount you could easily cover yourself in the event of a claim without facing financial difficulty. A carefully chosen deductible is an effective way to optimise the costs of your comprehensive insurance without sacrificing important protection.
The no-claims discount (SF class) in comprehensive insurance
The no-claims discount, abbreviated as SF discount, and the corresponding no-claims class (SF class) are key elements of car insurance that reward your many years of accident-free driving. The longer you drive without an accident, the higher your SF class rises and the lower your insurance premium becomes – this applies to both third-party liability and comprehensive insurance. In the event of a regulated comprehensive insurance claim (e.g., an accident caused by yourself), your SF class is usually downgraded for the next insurance year. This means your premium for comprehensive insurance would increase. The exact number of classes you are downgraded by is specified in the specific terms and conditions of your insurer. At nextsure, we offer you transparent information regarding the downgrade table. It is possible to transfer an SF class under certain conditions, for example, from another person or another vehicle. To protect yourself from the financial consequences of a downgrade, an additional component called a no-claims discount protection can be beneficial. This prevents a downgrade for one claim per year, but it is associated with an additional premium.
Additional benefits: What makes your fully comprehensive insurance even better
A standard comprehensive insurance already offers extensive protection, but nextsure allows you to expand and optimise it individually with valuable additional benefits. An important option is the new value or purchase price compensation: In the event of a total loss or theft of your relatively new vehicle, you will receive the full new or purchase price reimbursed, usually for a period of 12 to 24 months after initial registration. For vehicles financed through leasing or credit, GAP coverage (difference coverage) is essential. This coverage closes the financial gap between the replacement value of the vehicle and the outstanding leasing or credit amount in the event of a total loss. Although roadside assistance services are often offered separately, they ideally complement comprehensive cover by providing Europe-wide assistance in the event of breakdowns or accidents. The Mallorca policy extends your motor liability insurance coverage to rental cars abroad. An extended wildlife damage cover protects against collisions with all types of animals, not just game animals. The waiver of objections of gross negligence (except with alcohol/drugs) is an important service component at nextsure. Finally, you often have the option to choose between a free choice of workshops and binding to a workshop, where the latter usually leads to a lower premium.
Calculate tariff
Quick & Easy
Personal Consultation
Digital & Competent
Report damage
Simple Online
Comprehensive Insurance Costs: What Factors Affect the Premium?
The cost of comprehensive insurance is determined by a variety of individual factors that allow for a customised premium to be calculated. A key factor is the insurance category of your vehicle model, which reflects the damage and accident risk of that specific model. The regional class depends on your registration district and takes into account the local frequency of claims. Your personal no-claims discount class (SF class), which rewards your years without accidents, has a significant impact. The amount of the chosen deductible for fully comprehensive and partial coverage claims directly affects the premium: a higher deductible means a lower premium. Other factors include annual mileage, the age and profession of the policyholder and additional drivers, the nightly parking space of the vehicle (garage is cheaper than street), chosen additional services like discount protection or brand-new value compensation, as well as the payment method (annual payment is often discounted). At nextsure, you can transparently enter these factors into our online calculator to determine your individual premium.
Report a comprehensive insurance claim: Step by step to settlement
Damage to a vehicle is frustrating, but with nextsure’s comprehensive insurance, the settlement is straightforward. In the event of a comprehensive insurance claim—whether it's an accident caused by you or vandalism—it's important that you inform us immediately. Document the damage carefully: take photos from various angles and, if necessary, prepare an accident report, especially if other parties are involved. Report the damage directly online via our customer portal or by calling our service hotline. Have your insurance number and details of the incident ready. In cases of vandalism or theft, it is also necessary to report it to the police immediately; the police file number is required for processing the claim. Depending on the extent and type of damage, nextsure will coordinate the next steps with you, such as obtaining a cost estimate from a workshop or hiring a vehicle expert. Following review and approval, the repair or compensation payment will be processed so you can be back on the road quickly. Our digital processes ensure a swift and transparent settlement.
Theft Protection: How Comprehensive Insurance (including Partial Cover) Keeps You Covered
The theft of your vehicle or permanently installed vehicle parts is a nightmare for any car owner. With comprehensive car insurance from nextsure, you are fully covered in such cases, as theft protection is an integral part of the included partial coverage services. The total theft of the vehicle is insured, as well as the theft of parts permanently connected to the vehicle, such as navigation systems or airbags. Generally, loose items in the vehicle, such as smartphones or laptops, are not insured – for this, household insurance with external coverage would be responsible. In the event of a theft, you must promptly inform the police and file a report. Additionally, report the theft immediately to your nextsure insurance. Typically, there is a waiting period of about a month before compensation is provided if the vehicle is not recovered during this time. The amount of compensation is determined by the replacement value of the vehicle at the time of the theft, minus any agreed excess for partial coverage damages. Preventive measures such as an alarm system or a secure garage can reduce the risk of theft.
What is the difference between comprehensive and third-party, fire and theft insurance?
The nextsure fully comprehensive insurance represents comprehensive protection for your vehicle, combined with the benefits of a modern insurtech company. Our mission to offer tailored and easily understandable insurance solutions is reflected in our fully comprehensive cover: you receive not only wide coverage for self-inflicted damage, vandalism, and all partial coverage risks, but also benefit from a completely digitalized experience. From the quick and transparent calculation of rates online to the straightforward conclusion and digital claim reporting – nextsure makes insurance simple and accessible. Our unique combination of an extensive portfolio, which also covers niche areas, expert advice (digital or personal), and efficient processes sets us apart from traditional providers. We understand that your vehicle is more than just a means of transport. Therefore, with our fully comprehensive policy, we offer you the security you need to enjoy every journey worry-free. Trust nextsure as your digital partner for maximum vehicle protection. Calculate your individual premium today and discover the benefits of insurance that suits your digital lifestyle.
