Getting your CAR insurance

CAR stands for Construction All Risk. CAR insurance covers material damage that occurs during the construction or reconstruction of buildings, roads, bridges and installations, for example. The damage can be caused by a design error, execution error or construction error. But damage caused by fire, storm or theft is also covered. Standard building insurance or business liability insurance does not cover damages during construction or remodeling work.

CAR insurance is for both principal and contractor, with and without staff. As a client you have a great responsibility. You are ultimately responsible, but you are dependent on other parties such as a contractor or architect. If you hire a contractor, he is often insured for damage he causes. But it can of course happen that damage occurs that is not covered through the contractor. As a client, you often have to deal with several parties, sometimes all with their own insurance. As a result, discussions may arise between them, causing delays to your project. With CAR insurance, uncovered damage is insured.

CAR insurance gives you the assurance that unexpected damage during the (re)construction is covered. As a result, the project will not be delayed and you will also not face high costs. Moreover, all employees walking around the construction site are also insured. Taking out CAR insurance is not mandatory, but can sometimes be required by a (main) contractor, constructor, client or architect.

With CAR insurance you don't have any hassle in case of damage during the construction of an object. During construction or renovation, you have to deal with many different parties. Often a client, contractor, architect, engineer, installer and perhaps a roofer and painter are involved. With CAR insurance, all employees on the construction site are insured. Moreover, you are then assured of a quick claim settlement, so the project does not come to a long halt.

CAR insurance is important not only for clients, but also for contractors. As a contractor, you are bound to encounter damage during a construction project. For example, if the construction causes damage to the neighbor's property. Or if construction materials are damaged at the construction site. Your own belongings are also insured. You can usually opt for project-based insurance or continuous CAR insurance.

Even if you are self-employed, it pays to look into CAR insurance. This is often forgotten by ZZP'ers who work in construction. They often think of a Liability Insurance ZZP, but that only covers damage you cause to another person. To ensure that you do not have to pay for any damage yourself, you can take out CAR insurance. This way you can be sure that you are properly insured.

The cost of CAR insurance depends on the coverages you choose. This is because you compose the insurance completely yourself, which is why it is customized for insurers. For example, for a self-employed construction worker, the costs are different than for a large contractor with employees. You can also take out a number of additional coverages. The more additional coverages you take out, the higher the cost. Would you like to know what CAR insurance costs? Then request a no-obligation quote immediately.

At Alpina.nl , you can quickly and easily request a quote for CAR insurance. Our insurance specialists can help you put together the optimal insurance policy. The amount of the premium depends on the coverage you want. There are also additional coverages you can consider. As a sole proprietor, different coverages may apply than for a large contractor. CAR insurance is for both large and small contractors, as well as other individuals in the construction industry. You choose which coverage applies to you. Based on your personal situation, the premium for your CAR insurance is determined.

Taking out CAR insurance is easy on Alpina.nl. You first request a quote online. You will receive this from us within two working days. This gives you an idea of the monthly premium. Do you have any questions about CAR insurance or would you first like to consult one of our insurance specialists? Then please contact us! You can reach us by phone at 085 - 029 5179. We are at your service Monday through Friday from 8 a.m. to 6 p.m.

The coverage of CAR insurance is entirely up to you. The standard CAR insurance coverage includes damage caused by fire, theft, vandalism, rain, storm, design and construction errors and material defects. With CAR insurance you are therefore also covered for liability damage to an object that you build or assemble. You then decide whether to expand the insurance further with additional coverage. For example, you can include damage to belongings or persons on the construction site in the insurance, or personal belongings of your employees and property of the client.

Before you purchase insurance, you naturally want to compare different providers so that you can find the best CAR insurance at the lowest premium. Normally you can compare insurance with our handy online comparison tool, but since this insurance is customized, in this case you can request a quote first. At Alpina, we work with several insurance companies, so we can always offer you a competitive quote. Do you have any questions following the quote? Then you can always contact us!