Three insurance levels for electric and hybrid vehicles

Allianz provides three levels of car insurance for electric and hybrid vehicles: third party, intermediate, and all risks. These options are designed to accommodate different levels of coverage needs, particularly for vehicles that may have higher repair costs due to advanced technology.

Third party insurance basics

The third party formula includes civil liability, legal defense, and driver guarantee within the limits described in the contract. This is considered the base level, and all other levels are built upon it, offering additional coverage options for those who need more protection.

Intermediate coverage adds protection

The intermediate formula expands the third party base by adding, among other things, theft, fire, and natural events. The exact scope of these elements is defined in the contract, and Allianz encourages customers to review the terms before making a decision to ensure they understand what is and is not covered.

All risks formula and its limitations

The all risks formula covers all accident damages according to the contract, though the name may suggest broader coverage than what is explicitly defined in the agreement. For electric or hybrid vehicles, which often have high repair costs, particularly for batteries and on-board electronics, the all risks formula is typically considered.

Additional coverage options available

Additional options may include zero-kilometer assistance, replacement vehicle, legal protection, and a driver guarantee up to 1,000,000 €. These options are not included by default but can be associated with the chosen formula based on individual needs and driving habits.

Choosing the right coverage

Allianz recommends reviewing the contract details and consulting with an advisor to select the appropriate coverage level and options for clean mobility. The contract, not the formula name, determines the extent of coverage, ensuring clarity for customers.