Which Includes An All Risk

When we buy a new car, the most normal thing is that we insure it at all risk in order to cover us in any situation. What many do not know is what an all risk includes and what does not. In this article, we will talk about the advantages of having this type of insurance and will cover quinine under no circumstances.

What does an all risk include

Everything will depend on the company with which you have the vehicle insured, but as a general rule, the first two years should cover the total value of the vehicle due to minister, fire or theft.

It must also cover the damages that have been caused by you or by third parties as long as they have to do with the circulation. This means that if you cause damage to the interior of the vehicle, which was not caused by an accident, it will not be covered.

In the event of death or disability, there is an amount that will be paid well to you or your family members, which will normally be higher than that offered by insurance to normal third parties.

What does not include an all risk

Make no mistake, having comprehensive insurance does not imply that we should ignore ourselves and that we can do whatever we want, far from it! Insurance companies are not dumb and will not be willing to cover you in certain circumstances such as:

Driving under the influence of alcohol

If you are drunk and have an accident whether it influences other people or not, your insurance will not cover you. You are breaking the law, and they cannot be complicit in this.

Not having papers

If you do not have all the documentation of the car in order with taxes paid, ITV passed and the insurance, of course, paid on time, the insured company will find an excuse not to cover you in case of accident, theft, fire or vandalism.

If you have more people than you should

If your car is a two-seater and you have three people or it is a five-seater and you have six or more, you are already breaking the law and the company washes its hands in case something happens to you while driving.

Damage in bad faith

It would not be the first time that a driver has gotten angry with ortho and, with the excuse of having the car at all risk, gives him a blow to take revenge. If the affected party claims that this act was in bad faith, they will send the experts and even the detectives to make sure whether or not what is claimed is feasible.

If it is proven that the act of bad faith or revenge has been carried out, the insurance will not cover you.

Clashes with friends

This happens with all policies, but with all-risk policies there is still more research. Getting into a crash with a friend or family member could be proof of fraud and most likely insurance won’t cover you. If there really has been such an accident, you will have to prove it clearly.

Under 25

Those under 25 have many problems insuring a vehicle and it is very expensive. This may lead them to want to insure the car on someone else’s behalf, but if an accident occurs while he is driving, the insurance will wash his hands if he is not the one reflected in the policy.

Natural disasters and terrorist acts

Insurance does not cover damage to vehicles caused by natural disasters or terrorist acts. In case you find yourself immersed in one of them, or in both, you should contact the consortium that will be in charge of deciding if you are entitled to compensation and how much it will be.

Stole

Yes, comprehensive insurance includes theft, but there are fine print on some of them. For example, if the car key is not insured and it is stolen to later open the vehicle, the company will classify this act as theft and not as theft, so you could be left without a car and without compensation.

The same happens with everything inside the vehicle, it is not covered. You already know what a comprehensive insurance includes and what does not, be sure to read the fine print and if you think it is worth paying a little more to have a more complete insurance, do it, in the long run you will be happy.