Third party, all risks, theft & fire: which cover should I choose for my car?

HEYME car insurance

Your insurance contract may change depending on the condition and value of your car. In short, 3 major formulas are available to you.

Third-party insurance for your car

This is the minimum requirement for driving. This insurance also covers your civil liability. In the event of an accident, your insurer intervenes to cover the damage caused to third parties (persons and/or cars). On the other hand, if you are declared responsible for the accident, the damage caused to your vehicle will not be covered.

This formula is ideal for low-value, used cars or those that are beginning to “age”.

Insure your car against all risks

It covers material and bodily damage caused during an accident, whether you are responsible for it or not. This formula mainly concerns new cars and compensates the insured in the following cases:

  • Third party identified or not
  • Stationary or moving vehicle
  • Vandalism, natural disasters
  • Etc.

HEYME car insurance

The all-risk formula also covers the driver and pays for:

  • medical expenses
  • Hospitalization
  • The surgical intervention
  • The work stoppage
  • Funeral expenses in the event of death

If your car is valuable and you want to protect it as much as possible, opt for the all-risk formula. It also covers your health costs in the event of an accident!

Insure your car against theft and fire

The fire guarantee intervenes when your vehicle suffers alterations due to a fire or an explosion. The car can be replaced if it is completely destroyed or repaired if the burned vehicle has suffered minor damage.

Your insurer compensates the burned car if:

  • The fire is due to an accident such as electrical short circuits or an extreme climatic condition.
  • The fire was caused by acts of vandalism or an attack.

Fires caused by the insured himself, intentionally or through negligence, are excluded from the guarantee.

This optional warranty also covers:

  • Broken ice
  • Natural and technological disasters
  • Attacks
  • Flights

By offering you a wide choice of guarantees, HEYME will allow you to personalize your car insurance in order to benefit from coverage adapted to your needs.

👉 HEYME car insurance

Your insurance contract may change depending on the condition and value of your car. In short, 3 major formulas are available to you.

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