Insuring your Fiat Topolino
Compact electric microcar with a playful design – ideal for the city. Compare third-party liability , third-party liability + limited coverage , or comprehensive coverage with a focus on theft , battery , and accessories .
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Which coverage suits your Topolino?
WA (Third Party Liability)
Minimum requirement. Especially suitable for older Topolinos with a lower market value.
Third party liability + Limited Casco
Theft, fire, storm, and window protection. Excellent value for money with street parking in the city.
Fully comprehensive (all-risk)
Own damage included. Recommended for new or high-value models and for leasing.
What influences the premium of a Topolino?
Postal code & parking
Busy urban areas and outdoor stables increase the risk. A garage or enclosed area helps.
Damage free years
More no-claims coverage = lower premium. It's sometimes better to pay for minor damages yourself.
Value & battery pack
Higher new value or upgraded battery → higher premium.
Security
ART lock/track&trace may be required for WA+/Allrisk insurance and often reduces the premium.
Theft & security (city use)
Lock & anchoring
Use an ART-approved chain lock and anchor it where possible. This may be a requirement for comprehensive coverage.
Track & trace
A tracking system increases the chance of recovery and is sometimes mandatory in risk postcodes or in the case of street parking.
Parking habit
Outdoor storage increases risk. If you can store your dog indoors or in an enclosed area, your premium will often be lower.
Battery & electronics: what's covered?
Traction battery
by comprehensive insurance. Damage due to theft, fire, or storm is included; terms and conditions vary by insurer.
Charger & charging cable
These are often accessories . Record the values in the policy to avoid underinsurance.
Diagnostics & software
Diagnostic costs for damage/defects are often covered by comprehensive insurance. Check the deductible and exceptions.
Accessories & options
(Soft) doors/panels
These are included as accessories in WA+/Comprehensive coverage. Include them in the policy the amount
Styling & personalization
Sticker set, upholstery, and color accents: often accessories. Check the maximum limits per insurer.
Windshield/wiper
Damage to your windshield is covered by WA+. Damage to your own windshield/wiper blades is covered by Comprehensive.
Luggage solutions
Small suitcase/rack: include it as an accessory; theft covered by WA+, own damage covered by All Risk.
Business or private use?
Drivers
For business use, multiple drivers are possible. This may affect the premium and terms and conditions.
Mileage & usage
Higher mileage or commuting creates a different risk profile. We tailor the policy to your needs .
Small fleet
Multiple Topolinos? We offer fleet options and bundle discounts where available.
Frequently asked questions about the Topolino
Is Allrisk recommended for a (new) Topolino?
Often, yes. Comprehensive insurance also covers your own damage and is suitable for higher value or financing/leasing.
Is the battery always covered?
Usually, coverage covered by diagnostic costs . The exact terms and deductibles vary by insurer.
Do I need an ART lock or tracking system?
With WA+ or Comprehensive insurance, security be mandatory, especially when storing outdoors . It often also reduces your premium.
Are accessories such as panels or windows also insured?
Yes, as accessories for WA+/Comprehensive coverage. Include them with the amount to avoid underinsurance.
Can I protect my no-claims bonus?
Often possible through no-claims protection . Terms and conditions vary; we'll check this when you submit your quote.
Request your no-obligation quote
We compare multiple insurers and pay extra attention to theft and battery coverage, accessories and security.
