CAR Insurance To compare
Protect your construction project from damage. Storm, fire, theft or a construction error: you are covered with CAR insurance. All construction parties insured under one policy. No discussion about liability.
🏗️ Premium indication 2025
What is a CAR Insurance?
A CAR insurance (Construction All Risk) covers damage that occurs during construction, conversion or renovation projects. This is damage to the work itself, not just damage you cause to third parties.
Consider: storm damage, water damage, fire, collapse, construction errors, theft of building materials and vandalism. Your standard AVB does not cover this.
The big advantage: all construction parties are insured under one policy. Client, main contractor, subcontractors, installers, architects, constructors. No discussion about who is liable for damage.
You can choose one continuous CAR (all projects automatically covered) or a temporary CAR (per project).
The 6 Sections of a CAR Insurance
Category 1 is always insured. You can optionally insure the other categories.
The Work
Material damage to the structure during the construction period. Storm, fire, water damage, collapse, construction errors. Also theft of building materials on the site.
liability
Damage that you cause to property of third parties or persons during construction work. For example, damage to the adjacent building.
Existing client properties
Damage to buildings or items of the client that were already present. Essential for construction or renovation.
Auxiliary equipment
Damage to and theft of tools, machines, implements, chains, sheds, scaffolding, formwork and sheet piling.
Property Personnel
Damage to and theft of personal belongings of construction management, staff and employees on the construction site.
Transportation
Damage to and theft of building materials and auxiliary materials during transport within the Netherlands to the construction site.
Who is CAR Insurance for?
All parties in the construction sector benefit from CAR insurance.
Client
Private or business
Main contractor
Construction companies
Subcontractor
Specialized work
Installer
Electricity, central heating, sanitary facilities
Architect
Design & advice
Constructor
Calculations
Self-employed Construction
Carpenter, painter
Project developer
Real estate development
Practical examples
Situations in which CAR insurance offers a solution.
🌪️ Storm damage to construction site
A partially constructed building collapses due to a heavy storm. The foundation and all installed material must be redone.
Covered: €200,000🔓 Theft of Building Materials
During the weekend, expensive materials (copper pipes, plumbing, window frames) are stolen from the construction site.
Covered: €50,000🏚️ Damage to Neighboring Building
Piling work causes cracks in the adjacent building. The neighbors claim repair costs.
Covered: €75,000🔥 Fire on Construction Site
A short circuit in a construction shed causes a fire that spreads to the building under construction.
Covered: €350,000💧 Water damage due to leakage
A pipe that has just been installed bursts. The water damage damages the newly poured floor and walls.
Covered: €45,000📐 Construction error
Due to a calculation error in the construction, a load-bearing wall must be demolished and rebuilt.
Covered: €80,000Continuous vs Temporary & CAR vs AVB
Choose the right insurance for your situation.
🔄 All Projects Covered Automatically
Suitable for contractors who carry out multiple projects per year.
- ✓ All projects automatically insured
- ✓ No separate policy required per project
- ✓ Lower premium per project
- ✓ Easy management
- ✓ Actual calculation based on turnover
📋 One Specific Project
Suitable for clients or incidental projects.
- ✓ Coverage for one construction project
- ✓ Ends upon delivery
- ✓ Liability can be co-insured
- ✓ Fixed premium known in advance
- ✓ Ideal for private clients
🏗️ Damage to the Work Itself
Covers damage to the construction project and your own materials.
- ✓ Damage to the structure
- ✓ Theft of building materials
- ✓ Damage to auxiliary equipment
- ✓ Existing client properties
- ✓ All construction parties are insured
⚠️ Damage to Third Parties Only
Covers damage you cause to others, not to the work itself.
- ✓ Personal injury to third parties
- ✓ Property damage to third parties
- ⚠️ NOT: damage to the work
- ⚠️ NOT: theft of building materials
- ⚠️ NOT: consequential damage construction error
💡 Advice: For construction projects you usually need both a CAR and an AVB. The CAR covers the work, the AVB covers damage to third parties.
How much does CAR Insurance cost?
Indicative premiums 2025. Premium depends on type of project, turnover and selected categories.
Self-employed Construction
Continuous, turnover up to €100K
SME Contractor
Continuous, turnover €100K-€1M
Large Construction Company
Continuous, turnover €1M+
Why Choose Us?
Construction specialist
Extensive experience with CAR insurance for all types of construction projects. From renovation to new construction.
All Categories
Advice on which sections you need. From basic coverage to a complete package.
All Parties Covered
One policy for all construction parties. No discussion in the event of damage about who is liable.
Continuous or Temporary
Choice of continuous policy for all projects or temporary policy per project.
Competitive Premiums
Comparison of 30+ insurers for the best price-quality ratio.
Fast Claims Settlement
We are ready to help you in the event of damage. Quick recovery so that construction can continue.
100% Independent
We advise in your interest, not that of the insurer. Objective advice guaranteed.
50+ Years of Expertise
More than 50 years of experience in construction insurance. Knowledge of the construction industry.
Frequently Asked Questions
Want to protect your construction project?
Compare the best CAR insurance policies now. Request a quote without obligation.
