Mercedes insurance
Mercedes insurance? With the right car insurance you are protected in case of theft, damage and breakdown. The right coverage for every model.
Suitable for all models
Also for C-Class, S-Class and AMG
A wide range
We compare most insurers for your Mercedes
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Getting car insurance for your Mercedes
A Mercedes is more than a car: it is a symbol of luxury, comfort and innovation. Whether you drive an S-Class, GLE or a sporty AMG, you are choosing top-level quality and driving pleasure. This is precisely why insuring your Mercedes deserves extra care and attention. The value of these models is often considerably higher than average, and maintenance and parts are also specialized and expensive. A standard car insurance often offers insufficient coverage. Especially in case of damage, theft or when you choose original parts and recognized repair. With a good car insurance for your Mercedes, you are assured of protection that suits your model, use and wishes - so you can continue to enjoy your driving experience carefree.
Appropriate insurance for every Mercedes model
Popular models
- Mercedes A-Class
- Mercedes B-Class
- Mercedes CLA
- Mercedes GLA
- Mercedes C-Class
- Mercedes E-Class
- Mercedes CLS
- Mercedes S-Class
- Mercedes Maybach
- Mercedes CAP
- Mercedes GLC
- Mercedes GLE
- Mercedes GLS
- Mercedes G-Class
- Mercedes-AMG variants
- Mercedes-AMG GT
- Mercedes SL
- Mercedes SLC
- Mercedes EQA
- Mercedes EQB
- Mercedes EQC
- Mercedes EQE
- Mercedes EQS
- Mercedes EQV
Youngtimers and classics
- Mercedes W111
- Mercedes W115
- Mercedes W123
- Mercedes W124 (E-Class)
- Mercedes 300 SL
- Mercedes 190 (W201)
- Mercedes SL R107
- Mercedes SL R129
- Mercedes SLK
- Mercedes SEC (C126, S-Class Coupe)
- Mercedes S-Class W140
- Mercedes S-Class W116
- Mercedes S-Class W126
- Mercedes E-Class Coupe/Cabriolet
- Mercedes CLK (C208, C209)
- Mercedes CL (C215, C216)
- Mercedes 190 SL
- Mercedes Pagoda
You can also get insurance for older models of Mercedes. Check out the options for vintage car insurance.
Car insurance coverages.
You can choose from 3 main coverages:
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Additional coverages for Mercedes drivers
In addition to choosing the right coverage for your car insurance, you can also compare and purchase various additional coverages.
Roadside Assistance Netherlands
v.a.
7 ,50
p/month
Help after an accident is standardly insured on your insurance. In addition to the insurance, it is also possible to take out roadside assistance insurance for the Netherlands.
Roadside assistance Europe
v.a.
9 ,66
p/month
Help after an accident is covered by default on your insurance. In addition to the insurance, it is also possible to take out roadside assistance insurance for Europe.
Legal Aid
from
7 ,10
p/month
Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.
Occupant accidents
v.a.
1 ,53
p/month
Accidental occupant insurance pays fixed amounts in the event of death or permanent disability of the driver and/or passengers.
Occupant damage
v.a.
5 ,86
p/month
This insurance pays for material damages suffered by the driver and passengers due to an accident.
Why standard car insurance is not enough
A Mercedes is among the more luxurious and often more powerful cars on the road. The high purchase value, advanced technology and expensive parts mean that the risks and repair costs are significantly higher than for an average car.
A standard car insurance policy usually does not take this into account and therefore often provides insufficient coverage. Consider limitations on reimbursement for original parts, repairs at approved specialists or additional guarantees for theft and total loss.
So with a regular policy, you run the risk of not being fully compensated in the event of damage or loss. Insurance tailored to your Mercedes gives you the assurance that your investment is well protected, and that you can always count on appropriate service and quality.
Accessories and upgrades co-insured
Many Mercedes drivers choose to add extra luxury or sportiness by adding accessories and upgrades. These extras not only increase driving comfort, but also the value of your car. Standard car insurance policies often do not fully cover this, leaving you at risk of high costs in the event of damage or theft.
- Have you equipped your Mercedes with an AMG Line package, larger rims or a sports exhaust? Then physical modifications such as rims, exhaust systems, lowering kits or aerodynamic kits can usually be co-insured, as long as you declare them to your insurer in advance.
- Software-based chip tuning or ECU upgrades are usually excluded from coverage. Damage caused by performance changes through engine management or transmission software (e.g., Stage 2 or Stage 3 upgrades) is then not covered.
- Do you drive an AMG model or have you opted for a Brabus upgrade? Always report this to your insurer. The higher value and extra power of these versions directly affect the premium and coverage.
With comprehensive coverage, make sure your accessories and upgrades are also covered, keeping your investment optimally protected.
Claim-free years: impact on your premium
The more claim-free years you have accumulated, the more advantageous your Mercedes insurance premium will be. If you do not claim any damage during an insurance year, you build up one claim-free year. In contrast, if you make a claim, you lose claim-free years, which affects your premium.
Young driver with a used Mercedes
€ 80,-
€ 100,-
€ 120,-
€ 140,-
*The premiums are based on a fictitious person driving a 2016 Mercedes C-Class. This person is 27 years old, living in Amersfoort with 2 claim-free years. The car insurance has WA+ coverage.
Experienced driver with new Mercedes AMG
€ 180,-
€ 200,-
€ 220,-
€ 240,-
€ 260,-
€ 280,-
*The premiums are based on a fictional person driving a 2021 Mercedes AMG GLE 63 S. This person is 54 years old, living in Bloemendaal with 18 claim-free years. The car insurance has All-risk coverage.
New value or purchase value insurance for your Mercedes?
In the event of a total loss of a new Mercedes, a new-for-old policy is often the best choice. With this, you will receive the full new value of your car for up to 3 years, instead of only the daily value. That way, you don't have to worry about the large loss of value in the first few years.
Do you drive a used Mercedes? Then a purchase value arrangement may be the solution. In that case, the insurer will temporarily pay out the purchase price in the event of damage or theft. Both schemes are optional and differ per policy and model, but offer extra security that your investment remains well protected.
Additional security requirements in luxury sports cars
More luxurious models, such as the Mercedes-AMG series or the S-Class, are often subject to more stringent security requirements from insurers. This is because these cars are attractive to theft and organized crime.
These include requirements such as an approved vehicle tracking system, additional immobilizers or additional alarm systems. Failure to meet these requirements may affect your coverage or payment in the event of damage or theft.
By taking care of the right security in time, you will meet the requirements of your insurance and reduce the risk of your Mercedes disappearing unintentionally.
Insuring your Mercedes through Alpina
- Experience with high-end and sports cars
- New value insurance and accessory insurance possible
- Quick insight into your premium, with no strings attached
Never underinsured
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Help from our experts
Can't figure it out? Our experts are always ready to help you
Frequently asked questions about Mercedes car insurance
What coverage is best for a Mercedes?
All-risk insurance is recommended for a new or relatively young Mercedes. Older models can often suffice with WA or WA+ (limited casco) coverage. The choice depends on the value of the car and your personal risk profile.
Is a Mercedes more expensive to insure than other brands?
Yes, in many cases a Mercedes is more expensive to insure than average. This is due to the higher new-value, more expensive parts and higher appeal for theft or damage claims.
What should I pay attention to when insuring a Mercedes?
When insuring a Mercedes, pay attention to the new value, coverage chosen, deductible and any additional insurances such as roadside assistance or passenger insurance. Also compare specifically on terms for body repair and original parts.
How does all-risk insurance for a Mercedes work?
All-risk insurance covers virtually all damage to your own Mercedes, even if you are the perpetrator. In addition, you are insured for damage caused by theft, fire, storms and animal collisions. It is the most complete coverage.
Can I insure a Mercedes youngtimer inexpensively?
Yes, a Mercedes youngtimer (older than 15 years) can often be insured advantageously via a special youngtimer insurance. This is often based on the daily value and you can benefit from tax advantages, especially for business use.
How does the type of Mercedes affect the premium?
The type of Mercedes greatly affects the premium. Sporty or powerful AMG models are more expensive to insure than standard models. Things like weight, displacement and new-car value also play a role.
Are there special car insurance policies for Mercedes drivers?
Some insurers offer customized insurance policies or packages specifically for Mercedes owners. These often include additional options such as replacement transportation, original parts and damage repair through authorized Mercedes specialists.
How soon can I insure a Mercedes online?
You can often insure a Mercedes online within minutes. After entering license plate number, personal data and desired coverage, you will immediately receive a premium calculation and you can activate the insurance immediately, including a digital policy.
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