What are the advantages of an all-risk car insurance?
The all-risk car insurance is also called the WA full hull insurance. This insurance is an addition to the WA insurance and also has all the covers of the WA limited case insurance. It also covers damage you have caused to your own vehicle. But what does the all-risk car insurance exactly mean? What are the advantages and is an all-risk car insurance suitable for your situation? Also read Is an all-risk insurance the best choice?
What exactly is an all-risk car insurance?
The all-risk car insurance compensates for damage to your own car, regardless of how it was caused (except for intentional damage). It is also true that many insurers offer a great advantage when the car is declared total loss: often in the first 1 to 3 years the new value of the car will be paid. The all-risk insurance therefore literally covers a lot more risks. And as said, the all-risk car insurance is a supplement to the WA-insurance. The WA-insurance (Wettelijke Aansprakelijkheid) is obliged, the all-risk insurance is not. With the WA-coverage the damage is covered that you cause to others. Therefore, it is compulsory.
Which cover suits you?
Which cover suits you?
Third-party liability (mandatory)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Limited airframe
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
All Risk (WA+Casco)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Examples and advantages of comprehensive car insurance
As mentioned before, the all-risk car insurance offers many advantages. Here is a handy overview of the nice advantages of the all-risk insurance:
- Compensation fordamage caused by your own fault : whether you cause a collision, drive into a ditch or skid, your insurer pays for the damage and often arranges for replacement transport.
- Damage caused by vandalism : theft damage is covered in the limited hull insurance. Damage caused by vandalism is also covered by the all-risk policy.
- New-for-old value when your car is declared total loss: Do the costs of the damage exceed the value of your car, or is the car beyond repair? Then often in the first three years new value is paid with the all-risk insurance.
As you can see, all-risk car insurance does indeed offer considerable advantages.
Does the all-risk car insurance fit your situation?
Are you considering all-risk insurance for your car? It is often good to give this some thought. For example, it is the case that the premium is higher for all-risk insurance. Is your car younger than 4 years? Then an all-risk car insurance is absolutely recommended. This insurance is also recommended for more expensive car models. Do you live in an area with a lot of theft and vandalism? Even then you should consider the all-risk car insurance. It should be noted that an insurer will take your place of residence into account when calculating the premium.
Get affordable all-risk car insurance from Alpina
Want to get a good and appropriate car insurance policy? At Alpina, we offer affordable premiums as well as good coverage. Calculate your premium or contact us! If you have any questions, we are always happy to help. Our people will advise you from A to Z when it comes to car insurance and more.
Related pages about all risk coverage
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