{"id":4841,"date":"2024-10-15T09:10:14","date_gmt":"2024-10-15T07:10:14","guid":{"rendered":"https:\/\/ambler.es\/is-it-worth-taking-out-comprehensive-insurance-with-an-excess\/"},"modified":"2025-12-04T10:09:51","modified_gmt":"2025-12-04T09:09:51","slug":"is-it-worth-taking-out-comprehensive-insurance-with-an-excess","status":"publish","type":"post","link":"https:\/\/ambler.es\/en\/is-it-worth-taking-out-comprehensive-insurance-with-an-excess\/","title":{"rendered":"Is it worth taking out comprehensive insurance with an excess?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Imagine you&#8217;ve just had your shiny new car and suddenly you have an accident that wrecks it. Would you be prepared to pay for it? With a <\/span><b>all\u2010risk insurance with an excess<\/b> <span style=\"font-weight: 400;\">you can have the peace of mind that your vehicle will be protected against these unforeseen events, while you control the cost of your policy by assuming only a portion of the claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But taking out this type of insurance is not so easy. To understand exactly how it works, from <\/span><b>Ambler<\/b><span style=\"font-weight: 400;\"> we have created a guide that will help you understand all the key points of<\/span><b> all\u2010risk insurance with an excess.<\/b><span style=\"font-weight: 400;\">. Let&#8217;s find out!<\/span><\/p>\n<p><iframe title=\"\u00bfC\u00f3mo funciona el seguro de coche con franquicia? | Ambler\" width=\"800\" height=\"450\" src=\"https:\/\/www.youtube.com\/embed\/jUHtn-8T4HA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h2><b>What is all-risk insurance? <\/b><\/h2>\n<p><span style=\"font-weight: 400;\">all-risk <\/span><b>insurance<\/b><span style=\"font-weight: 400;\"> is an auto insurance policy that offers the most comprehensive coverage available on the market. The differential factor compared to other more basic types of insurance, such as third party or extended third party insurance, <\/span><b>this insurance covers damages caused to third parties as well as those suffered by the insured person&#8217;s own vehicle<\/b>, <span style=\"font-weight: 400;\">even if the person responsible for the accident is the driver himself.<\/span><\/p>\n<p>In this way,<b> comprehensive protection <\/b><span style=\"font-weight: 400;\">is guaranteed<\/span><span style=\"font-weight: 400;\"> for the insured vehicle. It includes both basic compulsory civil liability cover, which covers damage caused to third parties, and additional cover that protects the vehicle itself in the event of accidental damage, theft, fire and other unforeseen events. <\/span><\/p>\n<h2><b>Advantages of taking out all-risk insurance<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Do you know all the cases in which comprehensive insurance can protect you? Let&#8217;s take a look below: <\/span><\/p>\n<h3><b>Complete coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The main advantage of all-risk insurance is that it offers <\/span><b>comprehensive protection.<\/b><span style=\"font-weight: 400;\"> both for own vehicles and for damage to third parties. This provides a <\/span><b>total peace of mind<\/b><span style=\"font-weight: 400;\"> as they are covered in the majority of possible <\/span><a href=\"http:\/\/www.ambler.es\/siniestros-consorciables-y-otros-riesgos\/\"><span style=\"font-weight: 400;\">accident cases<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<h3><b>Lower financial risk<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In the event of an accident or claim, <\/span><b>the insured will not have to bear the full cost<\/b><span style=\"font-weight: 400;\"> of repairs to your vehicle. This is a great financial relief, especially in situations where the damage to the car can be significant. <\/span><\/p>\n<h3><b>Protection against all eventualities<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">What would happen if your car was<\/span> <b>vandalised?<\/b><span style=\"font-weight: 400;\">The repair costs would be covered by comprehensive insurance, as in cases of <\/span><b>theft or fire.<\/b><span style=\"font-weight: 400;\">. In this way, the vehicle will be safeguarded against virtually any unforeseen eventuality that may arise.<\/span><\/p>\n<h3><b>Ideal for new or high value cars<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You don&#8217;t need to fear damage to your new car. With all-risk insurance, <\/span><b>reduces financial losses<\/b><span style=\"font-weight: 400;\"> in the event of an accident or serious loss, which makes the investment in insurance particularly valuable.<\/span><\/p>\n<h2><b>What is an insurance excess?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">It is time to address the topic of <\/span><b>the excess<\/b>,<span style=\"font-weight: 400;\"> which is a sum of money that, in the event of a claim,<\/span><b> the insured undertakes to pay.<\/b><span style=\"font-weight: 400;\"> out of pocket before the insurer covers the rest of the costs. It is a concept used in several types of insurance and has the following characteristics <\/span><b>objective of risk sharing between the insured and the insurer<\/b><span style=\"font-weight: 400;\">. The excess may vary depending on the policy and is usually agreed in advance when the insurance policy is taken out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The way the deductible works is simple: when a claim occurs that requires repair or compensation, the insured pays the amount corresponding to the deductible, and the insurer covers the remaining amount. For example, if the excess is 300 Euros and the repair of the vehicle costs 1.000 Euros, the insured person will pay the first 300 Euros, and the insurer will cover the remaining 700 Euros. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The deductible applies only to <\/span><b>certain claims.<\/b><span style=\"font-weight: 400;\">depending on the coverage included in the policy. Generally, it concerns own damage, theft or fire, but it <\/span><b>It does not usually apply to civil liability<\/b> <span style=\"font-weight: 400;\">(damage to third parties), as this is mandatory and cannot be subject to an excess.<\/span><\/p>\n<h2><b>How does comprehensive insurance with excess work? <\/b><\/h2>\n<p><span style=\"font-weight: 400;\">C<\/span><b>omprehensive insurance with excess<\/b><span style=\"font-weight: 400;\"> is a type of insurance that combines all the coverage of comprehensive insurance with the concept of excess. In this type of insurance, the insured person is protected <\/span><b>in front of the majority<\/b><span style=\"font-weight: 400;\"> for any damage your vehicle may suffer or cause to third parties, but assumes a part of the cost of the claims through the excess. This combination allows the insured to enjoy a complete cover at <\/span><b>a lower premium cost<\/b><span style=\"font-weight: 400;\"> than a comprehensive insurance policy without excess.<\/span><\/p>\n<h2><b>What does comprehensive insurance cover and how does the excess affect the cost of a claim?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">C<\/span><b>omprehensive insurance with excess <\/b><span style=\"font-weight: 400;\">covers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Own damage:<\/b><span style=\"font-weight: 400;\"> covers the damage sustained by the insured vehicle, regardless of who was responsible for the accident.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Theft:<\/b> <span style=\"font-weight: 400;\">protects the policyholder in the event of the vehicle or its parts being stolen.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fire:<\/b><span style=\"font-weight: 400;\"> includes damage caused to the car by fire, whether accidental or due to a short circuit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Weather-related events:<\/b><span style=\"font-weight: 400;\"> covers damage caused by climatic events such as hail or flooding.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vandalism:<\/b> <span style=\"font-weight: 400;\">covers intentional damage caused to the vehicle by third parties.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Civil liability:<\/b><span style=\"font-weight: 400;\"> covers damage caused to third parties, both material and personal.<\/span><\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-2286\" src=\"http:\/\/www.ambler.es\/wp-content\/uploads\/2024\/11\/infografia_todo_riesgo_franquicia-300x139.jpg\" alt=\"comprehensive insurance with excess\" width=\"1597\" height=\"740\" srcset=\"https:\/\/ambler.es\/wp-content\/uploads\/2024\/11\/infografia_todo_riesgo_franquicia-300x139.jpg 300w, https:\/\/ambler.es\/wp-content\/uploads\/2024\/11\/infografia_todo_riesgo_franquicia-1024x473.jpg 1024w, https:\/\/ambler.es\/wp-content\/uploads\/2024\/11\/infografia_todo_riesgo_franquicia-768x355.jpg 768w\" sizes=\"(max-width: 1597px) 100vw, 1597px\" \/><\/p>\n<h3><\/h3>\n<h3><b>Examples <\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To better understand how the cost varies depending on the excess, let\u2019s look at some practical examples:<\/span><\/p>\n<h4><b>\u20ac200 excess<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If the policyholder has an accident and the cost of the damage amounts to <\/span><b>\u20ac1,000<\/b><span style=\"font-weight: 400;\">, they must pay the first<\/span> <b>\u20ac200<\/b><span style=\"font-weight: 400;\">, and the insurer will cover the <\/span><b>remaining \u20ac800<\/b><span style=\"font-weight: 400;\">. If the damage were only <\/span><b>\u20ac150<\/b><span style=\"font-weight: 400;\">, the policyholder would bear the full cost, as it does not reach the excess.<\/span><\/p>\n<h4><b>\u20ac600 excess<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In this case, if the damage amounts to <\/span><b>\u20ac1,000<\/b><span style=\"font-weight: 400;\">, the policyholder must pay <\/span><b>\u20ac600<\/b><span style=\"font-weight: 400;\">, and the insurer will cover the<\/span><b> remaining \u20ac400<\/b><span style=\"font-weight: 400;\">. However, if the damage were only <\/span><b>\u20ac500<\/b><span style=\"font-weight: 400;\">, the policyholder would have to pay the full amount, as the cost is lower than the excess.<\/span><\/p>\n<h4><b>Without excess<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In a comprehensive insurance policy without excess, the policyholder<\/span> <b>does not have to pay anything<\/b><span style=\"font-weight: 400;\"> in the event of a claim. If the damage amounts to <\/span><b>\u20ac1,000<\/b><span style=\"font-weight: 400;\">, the insurer will cover the full cost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It should be noted that<\/span><b> the main advantage<\/b><span style=\"font-weight: 400;\"> of opting for an excess is that it reduces the cost of the insurance premium, as the policyholder assumes part of the risk. However, a higher excess may mean a greater outlay in the event of an accident. That is why it is important to find a <\/span><b>balance<\/b><span style=\"font-weight: 400;\"> between the amount of the excess and the saving on the premium, so that it suits the policyholder\u2019s needs and budget.<\/span><\/p>\n<h2><b>Security and savings<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In response to the title of our article, we can say yes: taking out <\/span><b>comprehensive insurance with excess <\/b><span style=\"font-weight: 400;\">is an excellent option if you are looking for<\/span><b> full cover<\/b><span style=\"font-weight: 400;\"> for your vehicle while reducing the cost of the premium. But it is very important to carefully analyse the amount of the premium and how it will impact in the event of a claim. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">To this end, at<\/span><b> Ambler <\/b><span style=\"font-weight: 400;\">we have a team of professionals who assess your situation to offer you <\/span><b>a tailored policy<\/b><span style=\"font-weight: 400;\">. We advise you so that you get the best protection without compromising your peace of mind and security. <\/span><a href=\"http:\/\/www.ambler.es\/contacto\/\"><b>Contact Us<\/b><\/a><b> <\/b><b>so<\/b> <span style=\"font-weight: 400;\">that we can begin to assess your situation.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Imagine you&#8217;ve just had your shiny new car and suddenly you have an accident that wrecks it. Would you be prepared to pay for it? With a all\u2010risk insurance with an excess you can have the peace of mind that your vehicle will be protected against these unforeseen events, while you control the cost of [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4842,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-4841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is it worth taking out comprehensive insurance with an excess? - Ambler | Corredur\u00eda de Seguros<\/title>\n<meta name=\"description\" content=\"Comprehensive insurance with excess: full cover for your car with a premium tailored to your needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ambler.es\/en\/is-it-worth-taking-out-comprehensive-insurance-with-an-excess\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is it worth taking out comprehensive insurance with an excess? 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