Truck insurance comparison and conclusion

Limited comprehensive insurance offers more extensive coverage than third-party liability insurance alone. You are also insured for damage caused by theft, broken windows, fire, or storm damage. However, damage to your own vehicle caused by a collision is not covered. Would you like comprehensive insurance (All Risk)? Then you are also insured for vandalism and material damage to your own truck.

Truck insurance covers damage you cause to others with your truck. Depending on the coverage you choose, you can also insure damage to your own vehicle with third-party liability + comprehensive coverage. The appropriate coverage depends on the use and value of the truck.

There are three main types: third-party liability, limited comprehensive, and fully comprehensive. Third-party liability insurance only covers damage you cause to others with your truck. Limited comprehensive also covers damage caused by fire or theft, for example. Fully comprehensive coverage also reimburses damage to your own truck.

Yes, most truck insurance policies offer standard coverage in Europe. For international trips, you must carry an international insurance certificate with you. Also check whether your green card is valid in the countries where you are driving. Additional insurance rules apply in some regions.

You can save money by comparing prices annually, choosing a higher deductible, or taking out a multi-vehicle policy. If you drive without making any claims for many years, you will also build up a premium discount. Limit additional coverages to what is really necessary and consider whether comprehensive coverage is necessary.