Insuring a Mercedes
Insuring a Mercedes? With the right auto insurance, you're protected against theft, damage, and breakdowns. The right coverage for every model.
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Also available for the C-Class, S-Class, and AMG
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Get car insurance for your Mercedes
A Mercedes is more than just a car: it’s a symbol of luxury, comfort, and innovation. Whether you drive an S-Class, a GLE, or a sporty AMG, you’re choosing top-tier quality and driving pleasure. That’s precisely why insuring your Mercedes deserves extra care and attention. The value of these models is often significantly higher than average, and maintenance and parts are specialized and costly. Standard auto insurance often provides insufficient coverage—especially in the event of damage, theft, or when you opt for genuine parts and authorized repairs. With the right auto insurance for your Mercedes, you’re guaranteed protection tailored to your model, usage, and needs—so you can continue to enjoy your driving experience without any worries.
The Right 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 GLB
- Mercedes GLC
- Mercedes GLE
- Mercedes GLS
- Mercedes G-Class
- Mercedes-AMG Models
- Mercedes-AMG GT
- Mercedes SL
- Mercedes SLC
- Mercedes EQA
- Mercedes EQB
- Mercedes EQC
- Mercedes EQE
- Mercedes EQS
- Mercedes EQV
Youngtimers and Classic Cars
- 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/Convertible
- Mercedes CLK (C208, C209)
- Mercedes CL (C215, C216)
- Mercedes 190 SL
- Mercedes Pagoda
You can also get insurance for older Mercedes models. Check out the options for classic car insurance.
Car Insurance Coverage
You can choose from 3 main coverage options:
Third-Party Liability (Mandatory)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Limited casco
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
All Risk (Liability + Comprehensive)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Additional Coverage for Mercedes Drivers
In addition to choosing the right coverage for your auto insurance, you can also compare and purchase various types of supplemental coverage.
Occupant accidents
Passenger accident insurance pays out fixed amounts in the event of the death or permanent disability of the driver and/or passengers.
Occupant damage
This insurance covers property damage sustained by the driver and passengers as a result of an accident.
Roadside Assistance Netherlands
Roadside assistance after an accident is covered as standard under your insurance policy. As a supplement to your insurance, you can also purchase roadside assistance coverage for the Netherlands.
Legal Aid
Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.
Roadside assistance Europe
Roadside assistance after an accident is covered as standard under your insurance policy. As a supplement to your insurance, you can also purchase roadside assistance coverage for Europe.
Why Standard Auto Insurance Isn't Enough
A Mercedes is one of the more luxurious and often more powerful cars on the road. Its high purchase price, advanced technology, and expensive parts mean that the risks and repair costs are significantly higher than for an average car.
Standard auto insurance policies usually do not take this into account and therefore often provide insufficient coverage. Examples include restrictions on reimbursement for original parts, repairs by authorized specialists, or additional coverage for theft and total loss.
With a standard 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.
Insure Accessories and Upgrades as Well
Many Mercedes drivers opt for added luxury or sportiness by adding accessories and upgrades. These extras not only enhance driving comfort but also increase the value of your car. Standard auto insurance policies often do not provide full coverage for these additions, which means you run the risk of incurring high costs in the event of damage or theft.
- Have you equipped your Mercedes with an AMG Line package, larger wheels, or a sports exhaust system? In that case, physical modifications such as wheels, exhaust systems, lowering kits, or aerodynamic kits can generally be included in your insurance coverage, as long as you declare them to your insurer in advance.
- Software-based chip tuning or ECU upgrades are usually excluded from coverage. Damage resulting from performance modifications made through engine management or transmission software (for example, with a Stage 2 or Stage 3 upgrade) will not be covered.
- Do you drive an AMG model, or have you opted for a Brabus upgrade? Be sure to always inform your insurer of this. The higher value and additional horsepower of these models directly affect your premium and coverage.
With comprehensive coverage, you can ensure that your accessories and upgrades are also covered, so your investment remains fully protected.
Claim-free years: how they affect your premium
The moreclaim-free years you’ve accumulated, the lower your Mercedes insurance premium will be. If you don’t file a claim during an insurance year, you’ll accumulate one claim-free year. If you file a claim, however, you’ll lose claim-free years, which will affect your premium.
Top 5 Cheapest Liability Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| ZERO | €63,26 | N/A |
| Avéro Achmea | €64,33 | N/A |
| Allianz Direct | €69,35 | N/A |
| Bovemij | €75,15 | N/A |
| Nationale-Nederlanden | €78,77 | N/A |
Top 5 Most Affordable Third-Party Liability + Limited Comprehensive Auto Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| ZERO | €86,55 | €150 |
| Allianz Direct | €95,24 | N/A |
| Bovemij | €99,96 | €150 |
| Nationale-Nederlanden | €102,15 | €150 |
| a.s.r. | €105,99 | €150 |
Top 5 Most Affordable Comprehensive Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| Avéro Achmea | €134,22 | €150 |
| Bovemij | €143,67 | €150 |
| a.s.r. | €150,24 | €150 |
| Nationale-Nederlanden | €154,09 | €150 |
| Allianz Direct | €169,97 | N/A |
New Value or Purchase Price Policy for Your Mercedes?
In the event of a total loss of a new Mercedes, a replacement value policy is often the best choice. With this policy, you’ll receive the full replacement value of your car for up to 3 years, rather than just the current market value. That way, you don’t have to worry about the significant loss in value during the first few years.
Do you drive a used Mercedes? If so, a replacement value coverage option might be the solution for you. In that case, the insurer will temporarily pay out the purchase price in the event of damage or theft. Both options are optional and vary by policy and model, but they offer extra assurance that your investment remains well protected.
Additional Safety Requirements for Luxury Sports Cars
For higher-end models, such as the Mercedes-AMG series or the S-Class, insurers often impose stricter security requirements. This is because these cars are attractive targets for theft and organized crime.
These include requirements such as an approved vehicle tracking system, additional immobilizers, or supplemental alarm systems. If you do not meet these requirements, it may affect your coverage or the benefits you receive in the event of damage or theft.
By ensuring you have the right security measures in place in a timely manner, you’ll meet your insurance requirements and reduce the risk of your Mercedes being stolen.
Insure Your Mercedes Through Alpina
- Experience with high-end and sports cars
- Replacement Cost Coverage and Supplementary Insurance Available
- Get a quick overview of your premium, with no obligations
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Frequently Asked Questions About Mercedes Car Insurance
What's the best insurance coverage for a Mercedes?
For a new or relatively new Mercedes, comprehensive insurance is recommended. For older models, third-party liability or third-party liability plus limited collision coverage is often sufficient. The choice depends on the car’s value 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 its higher new-car value, more expensive parts, and greater risk of theft or damage claims.
What should I keep in mind when insuring a Mercedes?
When insuring a Mercedes, pay attention to the replacement value, the coverage you choose, the deductible, and any supplemental coverage, such as roadside assistance or passenger insurance. Also, be sure to compare the specific terms and conditions regarding damage repairs and original parts.
How does comprehensive insurance for a Mercedes work?
Comprehensive insurance covers virtually all damage to your own Mercedes, even if you are at fault. It also covers damage caused by theft, fire, storms, and collisions with animals. It is the most comprehensive coverage available.
Can I get affordable insurance for a Mercedes youngtimer?
Yes, a Mercedes “youngtimer” (over 15 years old) can often be insured at a lower cost through a special youngtimer insurance policy. This type of insurance is often based on the current market value, and you can benefit from tax advantages, especially for business use.
How does the Mercedes model affect the premium?
The type of Mercedes has a significant impact on the premium. Sporty or high-performance AMG models are more expensive to insure than standard models. Factors such as weight, engine 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 a loaner car, genuine parts, and damage repairs performed by authorized Mercedes specialists.
How quickly can I insure a Mercedes online?
You can often insure a Mercedes online in just a few minutes. After entering the license plate number, your personal information, and your desired coverage, you’ll immediately receive a premium quote and can activate the insurance right away, including a digital policy.
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