Is fully comprehensive the same as all risks?
Yes. Volledig casco and allrisk are two names for the same type of cover. Insurers use them interchangeably.
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Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
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Why two names
Comprehensive cover is the technical term; comprehensive cover is the name used in advertising and on comparison sites. There is no difference between them.
Both mean: third-party liability plus third-party, fire and theft plus damage caused by you.
Where the difference does lie
Not in the name but in the conditions. One comprehensive policy has a replacement value as new arrangement of three years, another of one. One pays for glass damage without an excess, another does not.
Compare on the length of the replacement value as new arrangement, the excess, whether replacement transport is included and how no-claims years is dealt with.
What comprehensive does not cover
Wear and mechanical defects. A broken gearbox or a burnt-out engine is not sudden external damage and falls outside every form of own-damage cover.
Also intent, driving under the influence and driving without a valid licence are excluded. That last point also applies to the third-party payment to the other party, which the insurer then recovers from you.
The term all-risks is misleading
There is no policy that covers everything. Exclusions apply to comprehensive too; read them before you assume you are covered for everything.
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Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
Is fully comprehensive the same as all risks?
Yes; they are two names for the same type of cover.
So where does the difference between policies lie?
In the conditions: the replacement value as new period, the excess, replacement transport and no-claims years.
Does comprehensive really cover everything?
No; wear, mechanical defects, intent and driving under the influence fall outside it.
Is a broken gearbox covered?
No; that is not sudden external damage.
What do I compare on?
On the replacement value as new period and the excess, not on the name of the cover.
What about driving without a licence?
Excluded; the insurer recovers the third-party payment to the other party from you.