Vehicle composite pane, comprising - a first pane and a second pane, which are joined to one another via at least one thermoplastic intermediate layer, and - an inlay element, comprising an opaque layer that has at least one cutout, a transparent substrate layer, and a transparent electrically heatable layer, wherein the inlay element is arranged between the first pane and the second pane, wherein (i) in the inlay element, the transparent substrate layer is arranged between the opaque layer and the transparent electrically heatable layer, wherein the transparent substrate layer, the transparent electrically heatable layer, and the opaque layer with the cutout have the same external dimensions, or (ii) in the inlay element, the transparent electrically heatable layer is arranged between the transparent substrate layer and the opaque layer, wherein the transparent substrate layer, the transparent electrically heatable layer, and the opaque layer with the cutout have the same external dimensions, or (iii) in the inlay element, the transparent substrate layer is arranged completely within the at least one cutout of the opaque layer, and the transparent electrically heatable layer is arranged, over the entire surface, directly adjacent the opaque layer and the transparent substrate layer and has the same external dimensions as the opaque layer. - a first pane and a second pane, which are joined to one another via at least one thermoplastic intermediate layer, and - an inlay element, comprising an opaque layer that has at least one cutout, a transparent substrate layer, and a transparent electrically heatable layer, wherein the inlay element is arranged between the first pane and the second pane, wherein (i) in the inlay element, the transparent substrate layer is arranged between the opaque layer and the transparent electrically heatable layer, wherein the transparent substrate layer, the transparent electrically heatable layer, and the opaque layer with the cutout have the same external dimensions, or (ii) in the inlay element, the transparent electrically heatable layer is arranged between the transparent substrate layer and the opaque layer, wherein the transparent substrate layer, the transparent electrically heatable layer, and the opaque layer with the cutout have the same external dimensions, or (iii) in the inlay element, the transparent substrate layer is arranged completely within the at least one cutout of the opaque layer, and the transparent electrically heatable layer is arranged, over the entire surface, directly adjacent the opaque layer and the transparent substrate layer and has the same external dimensions as the opaque layer. (i) in the inlay element, the transparent substrate layer is arranged between the opaque layer and the transparent electrically heatable layer, wherein the transparent substrate layer, the transparent electrically heatable layer, and the opaque layer with the cutout have the same external dimensions, or (ii) in the inlay element, the transparent electrically heatable layer is arranged between the transparent substrate layer and the opaque layer, wherein the transparent substrate layer, the transparent electrically heatable layer, and the opaque layer with the cutout have the same external dimensions, or (iii) in the inlay element, the transparent substrate layer is arranged completely within the at least one cutout of the opaque layer, and the transparent electrically heatable layer is arranged, over the entire surface, directly adjacent the opaque layer and the transparent substrate layer and has the same external dimensions as the opaque layer.