A CAR insurance policy is usually not legally required, but it is strongly recommended for construction and renovation projects because it can cover unexpected damages during the work.
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All construction site risks (CAR)
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 damage during the execution of the works. At Van Dessel, we ensure that all parties involved, client, contractors, and architects, are properly insured throughout the entire construction process.
What is an all construction site risks insurance (CAR)?
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.
What are the benefits?
Covers damage to the construction project during the works, for example as a result of an accident or an error during execution.
Covers damage to materials, installations 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.
Who is this insurance for?
Construction All Risks (CAR) insurance is intended for everyone involved in a construction or renovation project.
Typical insured parties include:
- Property owners or clients commissioning the construction or renovation of a building
- Contractors and subcontractors carrying out work on site
- Property developers delivering construction projects
- Architects and engineering consultants involved in the project
In many cases, a single CAR insurance policy is arranged to provide cover for all parties involved in the construction site.
What is covered and what is not?
What is covered?
- Damage to the building under construction or renovation
- Damage to materials and installations on the construction site
- Damage caused by fire, storm, explosion or vandalism
- Damage resulting from errors during the execution of the works
- Third-party damage caused by the construction site
- Additional costs, such as debris removal and repair costs, may also be covered
What is not covered?
- Damage caused intentionally
- Normal wear and tear or inadequate maintenance
- Damage resulting from design defects (unless covered under an additional extension)
How much does this insurance cost?
The premium for Construction All Risks (CAR) insurance depends on several factors, including:
- The total value of the construction project
- The type of works (new build, renovation, infrastructure, etc.)
- The duration of the project
- The nature of the building and the construction methods used
- The number of parties and contractors involved
As every construction project is unique, CAR insurance is tailored specifically to the requirements and risks of each individual project.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
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.
Expertise & experience
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.
Customization & innovation
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.
Would you like to receive a quote?
We analyse your activities, contractual obligations and risk exposure. You will receive a clear proposal tailored to your needs.
Request a no-obligation quote or contact us for personalised advice.
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