All Risk car insurance (WA Full Casco).
An All Risk car insurance policy insures your car for all damages. Even if this is your own fault. Is your car younger than 6 years old? Then this is the most commonly chosen car insurance.
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What is All Risk car insurance?
The All Risk car insurance is also called the WA Full-Casco insurance. This insurance is an addition to the compulsory WA insurance and also has the coverages of the WA Limited Casco insurance.
With All Risk car insurance, damage caused by vandalism and self-inflicted damage to your own car is also covered. Regardless of how this occurred, except in cases of intent. Whether you cause a collision, drive into a ditch or skid; the insurer pays for the damage and often also arranges for replacement transportation.
Many insurers offer something extra with All Risk insurance. Is your car declared totaled in the first 1 to 3 years? Then you will be paid the new value of your car . After that period you often get the current market value. This depends on the age of your car and the policy conditions.
What is and isn't insured with All Risk insurance?
All Risk insurance covers considerably more risks than Third Party or Limited Comprehensive insurance. The examples below give you an idea of what is covered in All Risk insurance. Do you want to know exactly what is and what is not insured? Check the conditions of the insurer you choose.
| Insured | Not insured |
|---|---|
| Damage to others | Damage because you used alchol or drugs |
| Theft, joyriding, vandalism and loss | Damages if you drive without a license |
| Window damage | Damage if you lend your car for a fee |
| Damage caused by fire, storm or hail | Damage if you use your car differently than you specified |
| Towing costs after an accident | Towing costs after breakdown |
What does All Risk car insurance cost?
With this insurance, your car is well insured. It is, however, the most expensive form of insurance. The premium for All Risk car insurance depends on several factors. Consider:
- Age of the car
- Catalog value
- Car weight
- Age of driver
- Region of the driver
- Claim-free years already accrued
Have you already accumulated many claim-free years? Then this can make a huge difference in the amount of the premium. The deductible is usually 150 euros.
When should you insure your car All Risk?
Choose All Risk insurance if you are unable to pay for repair costs or buy a replacement car after damage.
This form of insurance is the standard for new car until they are about 6 years old. For some cars older than 6 years, All Risk insurance is also recommended. Cars today easily last 15 years. As a result, a car that is, say, 8 years old still has a high daily value.
Determine for yourself whether All Risk insurance is worth it by comparing insurance policies. Check the premium difference between the WA Limited Casco and the All Risk car insurance and make an educated choice for your situation.
For example, does your car have a value of only €2,000? Then All Risk insurance may not be as suitable for you. You will then pay more premium after a while than your car is worth.
All coverages at a glance
Unsure about All Risk coverage? Check out the rest of the coverages and choose the car insurance that suits you:
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Want to expand your insurance even further? Then look at the supplemental insurances. These can be very useful.
All Risk or WA Limited Comprehensive?
Is your car a little older or do you want a lower premium amount? Then a WA Limited Casco car insurance might be a good choice. Own damage from a collision is then not covered.
Learn more about choosing All Risk or Limited Comprehensive insurance.
Frequently asked questions about All Risk car insurance
What is the difference between All Risk and Fully Comprehensive?
The term insurers also use for All Risk car insurance is WA Fully Casco. WA stands for legal liability and Fully Comprehensive is the damage to your own vehicle. Besides Full Casco, you can also insure the vehicle against Limited Casco. In that case, the coverage is more limited compared to the Full Vehicle insurance coverage.
Does All Risk car insurance make sense for older cars?
All-Risk car insurance is more expensive than WA or WA Limited Casco. The difference becomes smaller the higher the discount. You get a discount through accumulated claim-free years.
For example, with 5 claim-free years, the difference between the WA Limited Casco and the All Risk insurance is relatively small. Are you entitled to the maximum discount of 75% or even 85%? Then the difference is even smaller. Even for cars of 10 years or older, the most comprehensive car insurance can still be the best choice in some cases.
What if you don't choose All Risk insurance?
If you choose WA or WA Limited Casco insurance instead of All Risk insurance, you will save on monthly costs. This is because these car insurance policies are cheaper. But you are less extensively insured. Do you cause an accident? Then the financial consequences can be large.
You are driving on a highway and due to a steering error you tap another car while overtaking. Both cars end up in the guardrail. The repair costs to both cars run into thousands of euros. The damage of the other party is paid by your insurance company. This damage is paid by the third-party insurance.
You have to pay for the damage to your own car yourself. By opting for All Risk car insurance, your own car damage is also covered and your insurer often arranges for replacement transportation.
What is the deductible with All Risk car insurance?
Most companies apply a deductible with All Risk car insurance. A common excess is € 150.00 per claim. Have you suffered damage and is that damage not recoverable from a liable party? Then you pay the first € 150.00 yourself.
For vehicles with a high list value or greater risk of theft, the insurer may require a higher deductible as a condition. Sometimes it is possible to choose a higher deductible yourself to get a premium discount or to buy off the deductible. This can vary from one insurer to another.
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