What is hull insurance?

Comprehensive insurance is insurance for motor vehicles. This insurance pays for damage to your own vehicle caused, for example, by someone else. The damage can also be caused without anyone being at fault. This is the case, for example, during a storm due to a falling tree.

There are two different hull insurance policies, viz.

• Limited hull insurance
• Full hull insurance

Limited hull insurance

Limited hull insurance covers not only damage you do to others' vehicles, but also damages caused by:

• Storm, hail and lightning
• Fire and explosion
• Theft and attempted theft
• Collision with stray animals
• Window Break

Damages that you claim on the limited hull portion of the insurance will not be charged to the claim-free years.

The timeframe for receiving the replacement value varies by insurer. The replacement value provision is not available for every car. Often, this provision does not apply to more expensive cars, and sometimes it is only valid if you are the car’s first owner. In addition, certain policies calculate the car’s value based on a fixed depreciation schedule.

Comprehensive insurance. Also called All-Risk

Full hull insurance is also called all-risk insurance. Fully comprehensive insurance is the most expensive and comprehensive insurance you can choose. The full collision insurance covers everything that the limited collision coverage covers, as well as damages to your own car for which you are at fault.

Not only will you be reimbursed for damage to your car caused by others. You will also be reimbursed for damage to your own car when you are at fault in an accident, for example.

Not covered under this coverage is damage caused by wear and tear or an inherent defect in the car.

Until cars are about 6 years old, full body insurance is the most commonly chosen form of insurance. Yet it is difficult to link an age to this. For cars older than 6 years, all-risk insurance is also recommended. Cars nowadays easily last 15 years. As a result, a car that is 8 years old, for example, can still have a high daily value. It is best to make a well-founded choice of insurance by comparing. Determine the difference in premium between the limited hull insurance and the full hull insurance and make an informed choice.

Do you have questions regarding the different coverages for car insurance, for example? If so, please contact us. We'll be happy to help! We can be reached from Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700.