services that were not arranged by us or performed without our consent.
non-payment of the premium;
damage caused by nuclear energy;
damage as a result of war, events of molest and terrorism;
damage resulting from an intentional act of the insured;
damage caused while driving under the influence of alcohol or other intoxicants;
damage caused by participation in competitions of any kind in which reaching a maximum speed is the objective;
non-compliance of the vehicle with laws and regulations on technical requirements and inspection;
damage if the car is used by an unauthorised driver or without a valid driving licence.
Helvetia Global Solutions Ltd is the risk carrier for the insurance program.
Helvetia Global Solutions Ltd is part of Helvetia Insurance, a successful international insurance group with over 11,500 employees and more than 7 million customers.
Qover is the insurance intermediary and manager of your contract.
Qover is the one to contact in case of questions or changes to your policy.
Qover is a Brussels-based InsurTech scale-up that has raised €35 million in less than 5 years.
The information available on the site is provided for information purposes only and is non-contractual. It is the customer's responsibility to read the general conditions of our products carefully and to make well-considered decisions.
2023 Qover SA. All rights reserved.
The Comprehensive insurance consists of the following coverages:
Partial comprehensive insurance
Fire and Explosion
Your vehicle is covered against fire, fire damage, explosion, flame impact, lightning strike and short circuit of the electrical system.
We cover your vehicle and its accessories against theft and damage resulting from theft or attempted theft.
Damage to the front, side and rear windows of your vehicle is covered.
Forces of nature and collision with animals
This covers against damage to the vehicle that arises directly and immediately from:
We will also pay the costs of extinguishing the fire, temporary garage, transport and repatriation of the vehicle to the repairer and dismantling, if necessary at the time of the estimate, all up to an amount of €1.250 (excluding VAT).
The Comprehensive insurance includes all the coverages of the Limited comprehensive insurance, but additionally covers your vehicle against material damage caused by an accident or vandalism.
Comprehensive insurance covers damage to your vehicle due to an accident caused by collision, fall, overturn or collision.
The following are also covered under Material damage:
Please note that tire damage is covered under the Tire Damage Extension if you have chosen the Complete Plan.
We also cover damages caused by third parties when your NIO is parked such as scratches.
Please read our General Conditions for all exclusions.
Some examples when you are covered:
If your vehicle has a breakdown or is unroadworthy either immobilised, the roadside assistance provider will arrange a rental or replacement vehicle of the same category as yours, with a maximum amount of €80 per day and €600 in total per incident.
Some examples when we will provide a replacement vehicle: