Administrated by
and insured by

Designed for Your Tesla

Enhance your ownership experience with
comprehensive insurance.

Advantages

Comprehensive Cover
Free of Charge
For the first month
Tesla Charging Equipment
Up to €5,000
Included in Preferred and Complete
Battery Cover
Replacement with a new battery
during first 24 months
New Value Compensation
100% reimbursement for up to 24 months in case of a total loss
Included in Preferred and Complete
Glass Cover Plus
All glass on your Tesla
Included in Preferred and Complete
Liability
No deductible
SOS Phone Assistance
Included in Preferred and Complete
Tire Damage
Up to €600
Included in Complete
Key Replacement
Up to €300
See More

Exclusions

The complete list of exclusions is available in the Terms & Conditions. Exclusions include but are not limited to:

  • For the Motor Third Party Liability (MTPL): bodily injury to the driver liable for the accident and damage to the insured vehicle.
  • For Material Damages: damage resulting from lack of vehicle maintenance, damage to objects carried by or equipment detached from the vehicle.
  • For Theft: theft committed with a lost key or one left in the vehicle and theft committed by the family or staff of the policyholder or insured person.
  • For Assistance: services that were not arranged by us or were done without our consent.
  • In all guarantees except MTPL: damage resulting from an intentional act of the insured, gross negligence of the insured (such as drunkenness), a speed or skill contest, a nuclear risk, the failure of the vehicle to comply with the technical inspection regulations.

Questions? Contact us by email or phone

Which configurations are covered?

We cover every Model S, Model 3, Model X and Model Y.

What is Motor Third Party Liability?

Motor Third Party Liability is a mandatory coverage for motor vehicles.
We cover the bodily injuries and/or property damage caused to third parties in the event of an accident caused by the insured vehicle.

What is Comprehensive Insurance (Omnium)?

Comprehensive Insurance covers material damage to the insured vehicle:

  • Fire & explosion
  • Theft
  • Glass breakage
  • Natural disasters
  • Collisions with animals
  • Material damage to the vehicle following an accident resulting from an impact, a fall, overturning or collision, as well as vandalism.

What are the InsureMyTesla extensions?

InsureMyTesla extensions are additional guarantees provided to the policyholder according to the plan they choose to insure their vehicle:

Essential

  • Battery cover
  • Key replacement

Preferred

  • Battery cover
  • Key replacement
  • New value compensation for the first 12 months
  • Glass Cover Plus
  • Coverage for Tesla charging equipment
  • Assistance

Complete

  • Battery cover
  • Key replacement
  • New value compensation for the first 24 months
  • Glass Cover Plus
  • Coverage for Tesla charging equipment
  • Coverage for damage to the tires
  • Assistance

Where does the coverage apply?

For the Motor Third Party Liability and Omnium
In all countries for which the guarantee is granted according to the insurance certificate.

For Assistance
Andorra, Austria, Bosnia-Herzegovina, Belgium, Bulgaria, Denmark, Finland, France (including Monaco), Gibraltar, Greece, Ireland, Italy, Croatia, Liechtenstein, Luxembourg, the former Yugoslav Republic of Macedonia, the Netherlands, Norway, Poland, Portugal, Romania, San Marino, Sweden, Switzerland, Serbia, Montenegro, Slovakia, Spain (including Canary and Balearic Islands), Czech Republic, Turkey, Hungary, Vatican City, United Kingdom and Northern Ireland

Can I cancel my insurance?

  • You can cancel your insurance after one year. You must notify Qover about this at least 3 months before the expiry date.
  • You may cancel your policy if we change the premium amount or the general terms and conditions.
  • You may cancel your policy up to one month after claiming compensation. The policy will expire at the end of 3 months as of the date of notification.
  • You may cancel your insurance within 14 calendar days of purchase or of receiving the contract.

The criteria

What are the criteria for determining acceptance?

For the underwriting of Motor Third Party Liability, the risk is accepted (or refused) on the basis of the following criteria or, if applicable, their combination:

  • The age of the policyholder, the main driver or the usual driver.
    The use of this criterion is based on the statistical finding that age has an influence on the frequency and severity of accidents.
  • The country where the principal residence of the policyholder and/or the principal driver is located.
    The use of this criterion is based on the statistical observation that the administration of contracts and claims is more costly abroad.
  • The previous accident record of the policyholder, the main driver or the usual driver.
    The use of this criterion is based on the statistical observation that people with a high past claims record cause more accidents than people with a low past claims record.
  • The country of registration of the vehicle.
    For motor vehicles, the country of risk is the country where the vehicle is registered.
  • Withdrawal of driving licence, drunkenness, or alcohol intoxication of the policyholder or the main driver.
    The use of this criterion is based on the statistical observation that a person who has had his or her driving licence withdrawn and/or has been convicted or investigated for drunkenness or alcohol intoxication, refusal to take blood, hit-and-run or driving without a valid licence has a higher frequency of claims.
  • Specific measures relating to the quality of the risk taken by another company or by Helvetia Schweizerische Versicherungsgesellschaft Liechtenstein AG.
    The use of this criterion is based on the statistical finding that a person who has been subject to specific risk quality measures (e.g. termination of liability coverage) by another company or by Helvetia Schweizerische Versicherungsgesellschaft Liechtenstein AG has a higher claims frequency.
  • Legal and regulatory requirements.
    Both at the time of purchase and during the term of the contract, the driver and the vehicle must meet all legal and regulatory requirements for driving in areas where liability insurance is mandatory.
What are the pricing criteria ?

The rate applied to the subscription of the car liability insurance takes into account the following criteria:

  • The geographical area based on the address of the policyholder's main residence.
    The use of this criterion results from the statistical observation that inhabitants of certain geographical areas have fewer accidents at fault than inhabitants of other geographical areas.
  • The type of vehicle.
    The vehicle must be a Tesla Model 3, Model S, Model X or Model Y.
  • The age of the policyholder.
    The use of this criterion is based on the statistical observation that age has an influence on the frequency and severity of accidents.
  • Number of kilometers per year.
    Vehicles that travel a lot of kilometers per year spend more time on the road and therefore statistically have a higher risk of an accident. The number of kilometers per year influences the premium.
  • The previous accident record of the policyholder, the main driver or the usual driver.
    The use of this criterion is based on the statistical observation that people with a high past claims record cause more accidents than people with a low past claims record.
What are the Criterion for determining the scope of the guarantee?

The age of the vehicle at the time of subscription influences the following guarantees:

  • Battery cover

In the case of a second-hand vehicle, i.e. where the policyholder is not the first owner of the vehicle, or where the vehicle has been insured elsewhere prior to taking out this insurance policy, 100% replacement of the battery is only acquired for the remaining period between the date of first registration and the end of the 2-year period from the date of first registration.

If the vehicle is more than 2 years old, compensation will take place as provided for from the third year onwards, i.e. the battery will be replaced by a reconditioned Tesla battery.

  • Compensation at replacement value

If the Plan selected by the Policyholder and mentioned in the Special Conditions is the "Essential" Plan:

In the event of a total loss, you will receive the actual value of the insured motor vehicle.

If the Plan selected by the Policyholder and mentioned in the Special Conditions is the "Preferred" Plan:

In the case of a second-hand vehicle, i.e. where the Policyholder is not the first owner of the vehicle, or where the vehicle would have been insured elsewhere before this insurance policy was taken out, compensation at replacement value shall only be acquired for the remaining period between the date of first registration and the end of the period of 1 year from that first registration.

If the vehicle is more than 1 year old, compensation will be paid in accordance with the provisions from the second year onwards, i.e. the compensation will be calculated on the basis of the actual value of the insured motor vehicle.

If the Plan selected by the Policyholder and mentioned in the Special Conditions is the "Complete" Plan:

In the case of a second-hand vehicle, i.e. where the Policyholder is not the first owner of the vehicle, or where the vehicle would have been insured elsewhere before this insurance policy was taken out, compensation at replacement value shall only be acquired for the remaining period between the date of first registration and the end of the period of 2 years from that first registration.

If the vehicle is more than 2 years old, compensation will be paid in accordance with the provisions from the third year onwards, i.e. the compensation will be calculated on the basis of the actual value of the insured motor vehicle.

Resources

Disclaimer

Pay safely

English   |   Français   |   Nederlands

Contact us   |   About Qover    |   Complaints    |   Cookie settings

Qover SA/NV   |   Rue du Commerce 31, 1000 Brussels  |   RPM: BE0650.939.878 – FSMA : 0650.939.878  |   Privacy policy   |   Assurmifid   |   Legal mentions

The information on this website is supplied for information purposes only and is therefore non-contractual. It is your responsibility to carefully read the general terms and conditions of sale and make well-considered decisions.
© 2020 Qover SA. All rights reserved.