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Why all-risk car insurance?

All risk car insurance is the most comprehensive car insurance. You will also be paid for damage to your own car in case of an accident caused by you. It is the most expensive type of insurance.

What cover does all risk car insurance offer?

Of course, the insurance provides coverage against damage caused by third-party liability. The hull section is a broad addition. The insurer also pays for damage caused by a collision and for causes of damage that are insured in the WA limited casco. Think for example of broken windows, theft and storm damage or other damage to your own car. The all risk car insurance is also called WA Fully Casco. If you need replacement transportation in case of damage to your own car, you are in most cases insured for this as well with an All Risk coverage. If your car is total loss due to an accident, the insurer will also pay out. The insurer will pay either the market value or the new-for-old value if the vehicle is totaled. This depends on the age of your car and the policy conditions.

When to choose the all-risk car insurance?

This type of insurance is the standard for new cars until they are about 6 years old. However, it is difficult to specify an age for this type of insurance. For a car older than 6 years, the all-risk insurance is still recommended. Cars nowadays easily last 15 years. This means that a car that is, say, 8 years old still has a high current value. The best way to choose insurance is to make a well-founded comparison. Determine the premium difference between the WA limited casco and the all risk car insurance and make a well-informed choice.

Third-party liability (mandatory)

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

Limited airframe

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

All Risk (WA+Casco)

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

Can all-risk car insurance also make sense for older cars?

The all-risk car insurance is much more expensive than the two cheaper alternatives. The difference becomes smaller when the discount is higher. Discounts are obtained by accumulating claim-free years. With for example 5 claim free years the difference between the WA limited casco and the all risk is relatively small. If you are entitled to the maximum discount of 75% or even 85%, the difference is even smaller. Even for cars of 10 years or older, the most extensive car insurance can in some cases still be the best choice.

What is the danger if you do not choose the all-risk insurance?

Choosing WA or WA limited hull insurance will give you an advantage in the monthly costs. These car insurances are cheaper. However, a small error of judgement can cause an accident with serious financial consequences.


To save a few hundred Euros per year, you do not choose an all-risk car insurance, but a WA limited casco. You are driving on a motorway and due to a steering error you overtake another car. Both cars end up in the crash barrier. The repair costs of both cars run into thousands of euros. The damage to the other party is paid for by your insurer. This damage is paid for by your third-party insurance. You cannot hold anyone liable for your own loss, so you must bear this yourself. By choosing the all-risk car insurance, your car damage will also be compensated.

What is the difference between All Risk and Fully Comprehensive?

The term insurers use for All Risk car insurance is WA Volledig Casco. WA stands for third party liability and Full Comprehensive Vehicle is the damage to the own vehicle. The All Risk part. In addition to full hull, the vehicle can also be insured for limited hull. In that case the coverage is more limited compared to the full hull coverage.

Other coverages

What supplementary insurances are there?

Some additional insurances are very useful. We will explain all supplementary insurances to you. That way, you can make an informed choice.

Check the pros and cons of supplementary insurances

What is the excess for an All Risk car insurance?

Most companies apply an excess for All Risk car insurance. A common excess is € 150.00 per claim. When you have a claim and it cannot be recovered from a liable party, you have to pay the first € 150.00 yourself. In the case of vehicles with a high list value or a higher risk of theft, the insurer can impose a higher excess as a condition. Sometimes it is possible to opt for a higher excess in order to receive a premium discount or to buy off the excess. This can vary from one insurer to another.

What does all-risk car insurance cost?

The premium for an All Risk car insurance depends on several factors:

  • Age of the car
  • Catalogue value
  • Car weight
  • Age of driver
  • Region of the driver
  • Already accrued claim-free years
  • Use

If you have already accumulated many claim-free years, this can make a huge difference to the amount of the premium.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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