Fully Comprehensive: damage to your own car included, even at-fault
Licensed Broker
DGSFP Registered
Everything in Third-Party Extended, plus damage to your own vehicle from any cause. Selectable excess from €200 to €900 to balance premium and out-of-pocket cost. Best for new and young vehicles.
Higher excess = lower premium. Up to 60% no-claims discount. Full no-claims bonus from day one, no certificate needed.
From €600/year
Quote-based. Depends on car, driver and postcode.
Typical starting premium. Final price always depends on your individual circumstances.
Payment: Annual, six-monthly or quarterly when premium exceeds €100.
We need: date of birth, postal code, date driving licence was issued, vehicle registration, and your preferred excess level (€200, €300, €360, €600 or €900).
What's covered
Cover included as standard with Fully comprehensive (with excess)
Vehicle damage - own car
Damage to your own vehicle from any cause: at-fault accidents, vandalism, hitting an obstacle, etc.
Stop & Go roadside repair
On-site breakdown repair where possible, or guaranteed garage payment if recovery is needed.
Compulsory + voluntary civil liability (€50M)
Same third-party cover.
Personal damages - unlimited or €6,000 private
Same as Extended tier.
Theft & robbery
Total and partial theft, contents, parts, batteries - 100% market value.
Fire & explosion - 120% from year 3
100% value years 1-2, 120% from year 3 onwards.
Windscreen breakage - 100%
Full glass replacement, no excess on windscreen claims.
Caser Autohelp
Automatic accident detection.
Legal defence
Unlimited Caser legal team or €1,500 own lawyer.
24/7 travel assistance
Mechanical, towing, rescue, occupant care.
Optional add-ons
Extend cover by adding any of these to your policy at quote stage.
€360/year.
Rental car during repairs (7-30 days depending on claim type).
Extended cover packages.
Damage from collisions with animals.
Total-loss replacement vehicle in your name.
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Wear and tear, mechanical breakdown unrelated to a covered event
- Racing or illegal use of the vehicle
- Damage while the driver is under the influence (legal limit applies)
- Trailers over 750kg
- No-excess option (Caser internal regulation - not currently available)
Fully Comprehensive, in one paragraph
Fully Comprehensive is full all-risks cover: damage to your own car from any cause (at-fault accidents, vandalism, parking dings, kerb strikes), plus everything in Third-Party Extended (theft, fire, glass, civil liability). New vehicles are protected at 100% acquisition value for the first 2 years, then 120% market value from year 3. Excess is selectable from €200 to €900 - higher excess, lower premium. Right for new cars, leased cars, and any vehicle worth €15,000+.
Excess options at a glance
Choose your excess at quote: €200, €300, €360, €600 or €900. Higher excess means lower monthly premium. Excess applies to the total repair cost, not per damaged part - an ExpatInsurances differentiator that matters for multi-part repairs.
Frequently asked questions
What does 'with excess' mean?
Excess (also 'franchise' or 'deductible') is the first slice of any claim you pay yourself. If you choose €600 excess and have a €4,000 claim, you pay €600 and Caser pays €3,400. Higher excess = lower monthly premium. Available levels: €200, €300, €360, €600, €900. Caser doesn't currently offer no-excess on fully comprehensive.
Is excess per damaged part or per claim?
Per claim - the excess applies once to the total repair cost, not separately to each damaged part. Some other insurers apply it per part; Caser/ExpatInsurances applies it once. Important difference for multi-part repairs.
What's Stop & Go?
On-site breakdown repair where possible. The mechanic comes to you, fixes the issue if simple, or arranges towing and pays the garage directly. Standard with Fully Comprehensive.
What's the new-vehicle protection?
Cars under 2 years old are compensated at 100% acquisition value (not market value) for fire, theft and total loss. From year 3 onwards, compensation is 120% of market value - meaning you can replace with a slightly better car.
Should I take Fully Comprehensive or Third-Party Extended + Car-for-Car?
Fully Comp covers everyday damage (parking dings, fender benders, hitting a kerb). Third-Party Extended + Car-for-Car covers theft, fire and total loss only - no everyday damage. Fully Comp is right for new cars, leased cars and high-value vehicles. Third-Party Extended + Car-for-Car works for 5-10 year-old cars where everyday damage is acceptable but you want total-loss protection.
Why no no-excess option?
Caser internal regulations don't currently offer no-excess fully comprehensive - it would push premiums above what most customers want to pay. The €200 excess option is the lowest available.
Get your Fully comprehensive (with excess) quote
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Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.