FSD and your insurer: 5 questions to ask first

Tesla says FSD (Supervised) requires active driver supervision and that you stay responsible for speed and control at all times. Your policy wording probably never mentions it. Ask these five questions by email, keep the replies with your policy, and you remove the ambiguity before it costs you.

Does my policy cover driving with FSD (Supervised)?

This is the first question because everything else hangs on it. Policies list exclusions such as reckless driving, drink-driving and driving without a licence: the Consumentenbond publishes that list for Dutch cover, and Belgian wording has its own. Ask whether FSD (Supervised) under your supervision counts as normal use of the car, and whether any clause on driver assistance systems touches it.

Why it matters: if the terms exclude a system you use daily, the insurer can dispute your cover after a crash. A vague answer is itself an answer. Ask for the confirmation in writing and note the date, so the claim handler reads the same sentence you read.

Do software updates change anything in my cover?

Tesla says the car keeps improving with future software updates, and each update changes how the car behaves on the road. Insurers think in reported facts: the Consumentenbond notes that unreported changes, such as a different main driver or business use, can cost you cover. Ask whether you must report software updates, and whether a major update pauses or reshapes your cover until you do.

Why it matters: an update can arrive overnight and alter the system you declared at purchase. If the insurer wants to hear about updates, you want that duty on paper now rather than as a surprise in a claim letter.

How do I report a crash with FSD engaged?

Ask which number to call, what to write on the claim form, and where to state that FSD (Supervised) was engaged. Report the crash exactly like any other and name the system: leaving it out can cost you cover, as explained in FSD crash in Europe: who pays for the damage?. Ask too how the insurer wants evidence preserved in the first hours, before footage is overwritten.

Why it matters: the first hours decide what the file contains. A driver who knows the reporting steps collects the right evidence, and a claim that states FSD engagement upfront reads as honest rather than hidden.

Where must cameras and sensors be repaired?

A Tesla sees through cameras, and a replaced windscreen or bumper can need calibration before the assistance systems trust it again. Ask whether the policy ties you to approved repairers, how glass with a camera behind it is handled, and which excess applies per repair. Assuralia notes that omnium terms are contractual and differ per insurer, so this answer is never generic: it lives in your contract.

Why it matters: the wrong shop can leave the car driveable but the assistance blind, and a second calibration comes from your pocket if the policy only pays the first. Knowing the approved route before the crash keeps one bill from becoming two.

What data will you ask for after a crash?

Ask what the insurer expects from you: dashcam footage, photos at the scene, the car data log, or a written account of what FSD (Supervised) did in the seconds before impact. Some of that evidence overwrites itself within days, so ask now what to save and for how long. For reference, Cushly reads two counters from its members, total km and FSD km, and never a location.

Why it matters: data you saved in time supports your account, and data you never collected cannot be reconstructed. An insurer that states its list upfront gives you a checklist instead of a dispute.

Ask by email and file the replies with your policy documents. A phone promise helps no one once a claim is disputed.

How insurers check claims and cars is covered in What your insurer can see about you and your car. Dutch cover levels sit in WA, WA+ or allrisk: Dutch car cover levels.