(2025) What options are there for extending coverage?

The main components are covered equally by all insurance companies. However, additional risks are treated differently. Some insurance policies cover these at no extra cost, while others do not.

Possible additional benefits include:

• Loss of third-party keys
• Gradual damage
• Looking after someone else's dogs
• Claims default cover

Claims default cover
If you suffer damage caused by a person who does not have personal liability insurance and is unable to pay due to their financial situation, claims default cover will step in.

However, the insurer usually pays only from a certain amount of damage and when all legal means have been exhausted to obtain compensation from the person responsible for the damage.