Guides on FSD and motor insurance in Europe
How insurance treats FSD (Supervised) driving in Europe, country by country, with a source under every figure.
- Autopilot vs FSD (Supervised): the difference in Europe
What Autopilot, Enhanced Autopilot and FSD (Supervised) do in Europe, and what insurers look at beyond the badge.
- Belgian car insurance: BA, mini and full omnium
Belgium requires BA liability cover by law. What BA, mini-omnium and full omnium each pay, how bonus-malus works today, and what suits a new EV.
- Driving abroad: is your car insured in Europe?
Your liability cover follows you across the EU on one policy. What it covers, when you still need a green card, and what to check before you leave.
- EV battery insurance: what is covered?
Is your EV battery covered by WA, WA+ or allrisk, and by BA or omnium in Belgium? Damage versus wear, warranty versus insurance, fire, total loss and value.
- FSD crash in Europe: who pays for the damage?
If your car crashes while FSD (Supervised) is engaged, your motor liability insurer pays the other side, as in any crash. What changes and what does not.
- FSD (Supervised) in Europe: where is it approved?
The Netherlands approved FSD (Supervised) in April 2026; Belgium followed in June. The picture as of September 2026, and what approval means for insurance.
- No-claims discount in the Netherlands and Belgium
How Dutch schadevrije jaren and Belgian bonus-malus work: what a claim costs you, how an FSD crash counts, and how to prove claim-free years abroad.
- How to read and photograph your odometer
Where your Tesla shows total and trip distance, how to photograph the reading, what the Dutch NAP register checks, and why insurers ask for it.
- Pay-per-km car insurance in the Netherlands and Belgium
Mileage bands or true pay per km: how Dutch and Belgian insurers price your kilometres, what happens past your limit, and where Cushly fits in.
- FSD and your insurer: 5 questions to ask first
Before you drive on FSD (Supervised), ask your insurer these five questions on cover, updates, claims, repairs and data. What each answer tells you.
- WA, WA+ or allrisk: Dutch car cover levels
The Netherlands has three car cover levels: WA, WA+ and allrisk. What each pays, what eigen risico means, and when allrisk fits a new EV.
- What your car insurer can see about you
Your insurer sees your claims record, your odometer readings and only the driving data you agree to share. Where each source lives and what you can check.
- Why Teslas cost more to insure
Tesla premiums run higher because each claim costs more to settle: batteries, sensors, glass and parts. The published figures, with sources.