The works
- Fire, storm and water
- Theft of materials
- Inherent defect and design fault
- Vandalism on the building site
Temporary construction all risks (CAR) insurance
A single-project CAR is a policy with a calendar: it starts when the work begins and ends on a date you have to guess in advance.
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- 9.5 customer rating for a new policy
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Work out for yourself what it would cost.
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 activities
- 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
- Help with claims
In brief
With a temporary CAR you insure one project with a fixed start and end date, instead of covering all your works under a continuous contract. That is the logical form for a one-off major project, for a project that falls outside your usual activities, or where the client's specification requires a separate policy for this work with the client named as insured. See also the continuous CAR for construction and erection work.
Everything hinges on the term. Cover runs from the start of construction to handover, plus the maintenance period included in the policy. Construction projects almost always overrun, and if the end date passes while the crane is still standing there, cover stops from that moment. Extension is only possible before the end date; no insurer will sell you a period in which damage has already occurred.
We set the contract sum, the construction period and the maintenance period alongside the contract and the programme, and build in a margin. We also record who is named as insured on the policy: the client, the main contractor, the subcontractors and the architect each have their own position, and anyone not named can still be held liable.
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What does temporary CAR insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Liability
Damage to property and persons of third parties on and around the works.
- Adjoining premises
- Injury to bystanders
- Cables and pipes
Extensions
What comes into play alongside the works themselves.
- Client's existing property
- Ancillary plant and site huts
- Maintenance period
What is covered
| Situation | Works section | Liability section |
|---|---|---|
| Storm or water damage to the works in progress | Yes | No |
| Theft of materials from the building site | Sometimes | No |
| Damage to an adjoining building | No | Yes |
| Injury to a bystander | No | Yes |
| The client's existing property | Sometimes | Sometimes |
| Repair of your own defective work | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Contract sum for the project. The contract value including variations is the basis for the sum insured and the premium.
- Construction period plus maintenance period. The total term determines how long the risk is open, including any winter period.
- Nature of the work. New build on an open site is lighter than renovation, demolition, piling or building against an existing facade.
- Existing property within the risk. If you build in or against property belonging to the client, a separate section with its own sum insured is added.
- Location of the site. Inner-city work with adjoining properties, water nearby or work below ground level increases the risk of damage to the surroundings.
- Excess per section. For storm, water and damage to existing property, higher, separate excesses often apply.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
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.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The end date is a hard limit
Unlike a continuous policy, cover here ends on a date, not on cancellation. If the work overruns because of frost delays, permits or delivery times, you must extend before that date. Put the end date in the diary of whoever manages the programme, with a generous margin, and not only in the administration. Damage that occurs after the end date falls outside the cover, even if the work was virtually finished.
The maintenance period is a separate choice
After handover there is usually a maintenance period in which you put defects right. The CAR offers a restricted and an extended version for this. The restricted version covers only damage you cause yourself during remedial work. The extended version also covers damage that comes to light after handover and has its cause in the construction period. For conversions in occupied premises, that difference is significant.
The client's existing property
In conversion and renovation work, the work is carried out in or against something that already belongs to the client: the existing home, the adjoining facade, the installations. That existing property is not part of the works and is only insured if that section has been included separately, with its own sum insured. Forget it on an extension, and the extension is covered while the house it is attached to is not.
What the CAR does not pay out for
Loss due to delay, penalties and reductions for late completion fall outside the cover, even where the delay results from an insured loss. The cost of putting right defective materials or badly executed work is not paid. The consequential damage to the rest of the works often is. Normal wear and gradual deterioration are excluded. And damage caused by failing to take obvious precautions, such as missing dewatering or sheeting, is rejected.
Frequently asked questions
This is what people ask us most.
My project is overrunning. Can I extend it afterwards?
No. An extension must be arranged before the end date has passed. If you come to us after that, you are insuring a period in which the risk has already started to run and in which damage may already have occurred. An insurer will not accept that. Ask for an extension as soon as you know the programme is slipping, not in the final week.
What is the difference with a continuous CAR?
A continuous CAR covers every project you take on in a year, with a maximum per project, and is settled on turnover. A single-project CAR covers one named project with a fixed term and a fixed sum insured. If you carry out works regularly, a continuous policy is cheaper and safer; for a one-off or unusual project the single-project form is more appropriate.
Who can I have named as insured on the policy?
The usual parties are the client, the main contractor, the subcontractors and sometimes the site supervisor or architect. Anyone named on the policy cannot claim against a co-insured party: this prevents claims between them. If you exclude subcontractors, they can be pursued for a loss. Follow the requirements in the specification to the letter.
Does the temporary CAR also cover my crane and site huts?
Only if the ancillary plant section is included. The works themselves are the main section; plant, site huts, scaffolding and tools form a separate section with its own sum insured and often its own excess. Plant you hire is not automatically included. For that, the hirer's interest has to be named.
Every situation is different. For these situations we have a separate page.
- Compare construction all risks (CAR) insuranceThe main page
- Construction all risks (CAR) insurance for a single projectFixed term, fixed contract sum, extension
- Short-term construction all risks (CAR) insurancePer project, term set in advance, maintenance period
- Construction and erection insuranceContinuous or single-project, erection, test phase
- Construction all risks (CAR) insurance for commercial constructionLarge projects, long duration, installations
- Construction all risks (CAR) insurance for the construction sectorAll construction risks, sections 1 and 2, maintenance period
- Construction all risks (CAR) insurance for property developersThe client's role, co-insured, after handover
- Construction all risks (CAR) insurance on a continuous basisAll works, maximum per project, annual declaration
- Construction all risks (CAR) insurance for construction and erection workThe works in progress, sections, maintenance period
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.