All-risk auto insurance: what is it?

All-risk auto insurance: what is it?

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The most comprehensive offer in terms of coverage, all-risk auto insurance guarantees optimal protection for the driver and his vehicle.


That's it, you've just bought your new car, and this time around, you've decided to indulge yourself with a pretty high-end model. But before you can hit the road behind the wheel of your car, you obviously need to find suitable insurance, and this is where things get complicated, given the plethora of offers offered by the various companies. Third party, improved third party or even all risks, what should you choose? In reality, it all depends on the warranties and the level of protection you are looking for your vehicle. If you are a young driver or if your car has a low value, opt for third party insurance instead, which will be less on your budget. On the other hand, if your car is expensive or if you want to benefit from optimal protection, then all-risk insurance should be preferred. More expensive, however, this offers more comprehensive coverage than the third, which is the minimum offer you can subscribe to.

This only covers damage that you could cause to a third party, as its name suggests, or to one of its property. On the other hand, some companies do not cover the driver for damage that he may suffer himself or to his vehicle. For its part, comprehensive insurance offers more comprehensive guarantees, covering victims of damage, as well as the driver and vehicle causing them. Whether you are responsible or not and whether the third party is identified or not, you will always be compensated in the event of a disaster or miscellaneous accident. In addition, all-risk insurance will allow you to benefit from a faster reimbursement, because the compensation is then paid by the insurer without waiting for the dispute to be settled with the insurer of the opposing party. Be careful, because full compensation does not mean that you will be exempt from the deductible, even if this one can be less expensive when the contribution is higher.

What are the guarantees of an all-risk insurance?
Offering a much higher level of coverage than third-party insurance, the all-risk contract includes a set of comprehensive guarantees for the driver as well as for his vehicle. This protects the latter in particular against theft, fire as well as natural and technological disasters, not to mention glass breakage and attack guarantees, as well as assistance in the event of a breakdown, the services of which vary depending on the contract. and company. Options can also be added, such as 0 km breakdown assistance, the replacement vehicle or even the legal protection guarantee, which is particularly useful in the event of a dispute. To know in detail the offers offered and the different guarantees, make an online car insurance quote in a few clicks!