Comprehensive Auto Insurance (Third-Party Liability and Full Coverage)
All-Risk auto insurance covers your car for all types of damage—even if you're at fault. Is your car less than 6 years old? If so, this is the most popular auto insurance plan.
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What is All-Risk auto insurance?
All-Risk auto insurance is also known as Comprehensive Liability Insurance. This insurance supplements the mandatory liability insurance and also includes the coverage provided by Limited Comprehensive Liability Insurance.
With All Risk auto insurance, damage to your own car caused by vandalism or your own fault is also covered. This applies regardless of how the damage occurred, unless it was intentional. Whether you cause a collision, drive into a ditch, or lose control of your vehicle, the insurer will pay for the damage and often arrange for a replacement vehicle as well.
Many insurers offer an additional benefit with their comprehensive insurance. If your car is declared a total loss within the first 1 to 3 years, you ’ll receive the replacement value of your car . After that period, you’ll often receive the current market value. This depends on the age of your car and the policy terms.
What is and isn't covered under an All-Risk insurance policy?
Comprehensive insurance covers significantly more risks than liability or limited collision insurance. The examples below give you an idea of what’s covered under comprehensive insurance. Want to know exactly what is and isn’t covered? Then review the terms and conditions of the insurer you choose.
| Properly Insured | Not insured |
|---|---|
| Damage to others | Damages resulting from alcohol or drug use |
| Theft, joyriding, vandalism, and missing persons | Consequences of Driving Without a License |
| Window damage | Damage When You Lend Out Your Car for a Fee |
| Damage caused by fire, storm, or hail | You May Be Liable for Damages If You Use Your Car in a Way Other Than What You Specified |
| Towing Costs After an Accident | Towing Costs After a Breakdown |
How much does comprehensive auto insurance cost?
With this insurance, your car is well covered. It is, however, the most expensive type of insurance. The premium for comprehensive auto insurance depends on several factors. These include:
- Age of the car
- Catalog value
- Weight of the car
- Driver's Age
- Driver's Region
- Accumulated claim-free years
Have youaccumulated manyclaim-free years? If so, this can make a huge difference in the amount of your premium. The deductible is usually 150 euros.
When should you get comprehensive auto insurance?
Choose comprehensive insurance if, after an accident, you are unable to pay for repairs or buy a replacement car.
This type of insurance is standard for new cars until they are about 6 years old. For some cars older than 6 years, comprehensive insurance is also recommended. These days, cars easily last 15 years. As a result, an 8-year-old car, for example, still has a high current market value.
Decide for yourself whether comprehensive insurance is worth it by comparing insurance policies. Compare the premium difference between limited coverage and comprehensive auto insurance to make an informed choice based on your situation.
For example, is your car worth only €2,000? If so, comprehensive insurance might not be the best choice for you. After a while, you’ll end up paying more in premiums than your car is worth.
All Coverage Options at a Glance
Are you unsure about All Risk coverage? Check out the other coverage options and choose the auto insurance that's right for you:
Third-Party Liability (Mandatory)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Limited casco
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
All Risk (Liability + Comprehensive)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Would you like to expand your insurance coverage even further? Then take a look at the supplemental insurance plans. These can be very useful.
All-Risk or Limited Comprehensive Coverage?
Is your car a bit older, or would you like to pay a lower premium? If so, limited comprehensive auto insurance might be a good choice. In that case, damage to your own vehicle resulting from a collision is not covered.
Learn more about choosing between All Risk and Limited Comprehensive Coverage.
Frequently Asked Questions About All-Risk Auto Insurance
What is the difference between All Risk and Comprehensive Coverage?
Insurers also use the term “WA Volledig Casco” to refer to All Risk auto insurance. “WA” stands for third-party liability, and “Volledig Casco” refers to damage to your own vehicle. In addition to “Volledig Casco,” you can also insure your vehicle under “Beperkt Casco.” In that case, the coverage is more limited than that provided by “Volledig Casco.”
Does All-Risk auto insurance make sense for older cars?
All-Risk auto insurance is more expensive than third-party liability or limited comprehensive coverage. The difference becomes smaller as the discount increases. You earn a discount based on the number of claim-free years you’ve accumulated.
For example, if you’ve had 5claim-free years, the difference betweenLimited Comprehensiveand All-Risk insurance is relatively small. Are you eligible for the maximum discount of 75% or even 85%? Then the difference is even smaller. Even for cars that are 10 years old or older, the most comprehensive car insurance may still be the best choice in some cases.
What if you don't choose comprehensive insurance?
If you choosethird-party liability (WA) or limited comprehensive (WA Beperkt Casco) coverage instead of all-risk coverage, you’ll save on your monthly premiums. These car insurance policies are, in fact, less expensive. However, your coverage is less comprehensive. If you cause an accident, the financial consequences could be significant.
You’re driving on a highway and, due to a slight steering error, you nudge another car while passing. Both cars end up in the guardrail. The repair costs for both cars run into the thousands of euros. Your insurer will cover the other party’s damages. These damages are paid out under your liability insurance.
You are responsible for paying for damage to your own car. If you choose comprehensive auto insurance, damage to your own car will also be covered, and your insurer will often arrange for a replacement vehicle.
What is the deductible for comprehensive auto insurance?
Most insurance companies have adeductible for comprehensive auto insurance. A common deductible is €150.00 per claim. If you’ve sustained damage and that damage cannot be recovered from a liable third party, you’ll have to pay the first €150.00 yourself.
For vehicles with a high list price or a higher risk of theft, the insurer may require a higher deductible as a condition of coverage. Sometimes, you can choose a higherdeductibleyourself to receive a premium discount or to buy off the deductible. This may vary by insurer.
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