Construction and renovation projects always involve risks. During the works, damage can occur to the building under construction, materials, or installations. An unexpected incident can also cause delays and additional costs.
With a CAR insurance (Contractors’ All Risks), you protect your construction or renovation project against material damage during the works and even after provisional handover, throughout the maintenance period. At Van Dessel, we ensure that all parties involved – the project owner, contractors and architects – are properly insured throughout the entire construction process.
An CAR insurance, short for All Risks Construction Site Insurance, is a policy that covers damage to a construction project during the execution of the works.
This insurance protects both the building under construction and the materials and installations used against unexpected damage. It can also cover liability towards third parties when the works cause damage to, for example, a neighboring property or other possessions.
CAR insurance is often taken out for the entire duration of a construction or renovation project and can insure various parties within the same project.
Covers material damage to the construction project during the works, for example as a result of an accident or an error during execution. Cover also extends to material damage occurring during the maintenance period after provisional handover, provided that the error causing the damage occurred before provisional handover, such as a design error, manufacturing defect or execution error.
Covers damage to construction materials, installations to be incorporated into the project and structures on the construction site.
Covers third-party damage, including damage to neighbouring buildings and surrounding property.
Covers unforeseen risks during construction or renovation works, helping to minimise the financial impact of unexpected damage.
Construction All Risks (CAR) insurance is intended for everyone involved in a construction or renovation project.
Typical insured parties include:
In many cases, a single CAR insurance policy is arranged to provide cover for all parties involved in the construction site.
The premium for Construction All Risks (CAR) insurance depends on several factors, including:
As every construction project is unique, CAR insurance is tailored specifically to the requirements and risks of each individual project.
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
We analyse your activities, contractual obligations and risk exposure. You will receive a clear proposal tailored to your needs.
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