All-risk insurance: definition, coverage and price

Assurland.com, le comparateur d

L’Back to back insurance is the car insurance formula that offers the most extensive coverage. As its name suggests, thIt covers all the risks that can arise with a car, both to the driver, to the passengers of the vehicle and to other road users. Property damage is also covered. This insurance formula is mainly intended for drivers of new or recent car. But what does this contract really cover and at what price?

What is comprehensive auto insurance?

If third-party car insurance is the compulsory legal minimum for driving a motorized vehicle, this insurance formula quickly appears limited.

To better protect yourself, there is thecomprehensive car insurance. This type of offer better protects the insured since it can apply regardless of who is responsible for the claim (the driver, an unidentified third party, etc.) and the type of accident. She covers both driver and vehicle. An all-risk car contract allows you to be better protected in the event of an accident thanks to extended warranties in addition to civil liability.

An all-risk offer can thus cover many types of claims: broken glass, damage to your car in the event of an accident, fire, natural disaster, it can provide car assistance if necessary, help in the event of a legal dispute… But with such protection, you have to expect to have to pay a higher price.

What does comprehensive insurance cover?

In addition to essential and compulsory civil liability guarantee, all-risk insurance covers you against most claims, depending on the guarantees taken out. Depending on the insurer you have chosen and the contract taken out, coverage may nevertheless vary. This is why you should always check your contract carefully.

Generally, in the case of all-risk insurance, a distinction is made between two types of guarantees :

  • Material damage coverage: the majority of all-risk contracts include a basic damage guarantee. It allows the insured to obtain compensation for the damage suffered by his vehicle in the event of an at-fault accident. Remember that if the loss is caused by a third party, it is the third party’s insurer who will pay for the repairs.
  • The driver’s warranty: this guarantee compensates for the costs concerning the insured himself. It therefore offers reimbursements for bodily injury, possible medical expenses, hospitalization, surgery, it can compensate for work stoppages, or even funeral expenses if the driver were to die.

When to take out all-risk insurance?

You have understood it: all-risk automobile insurance will offer you the best protection. But it will cost you a certain price, because this formula is the most expensive. The choice will be largely conditioned by your vehicle: its condition, age and ultimatelyhis value.

If it is old, the cost of repairs is likely to be superior to its outright replacement. In fact, the insurer will take this into account with high contributions. This is the case, for example, for the purchase of a low-value second-hand vehicle. In this case it is not necessary to opt for all-risk insurance. If you are a young driver and have bought a used car, it will be better to take out cheaper car insurance.

On the other hand, all-risk insurance seems quite essential if you have just bought a new car whose value is not negligible. It may also be relevant if you have a collector’s vehicleor a high value vehicle you care about.

What are the optional guarantees in an all-risk contract?

Comprehensive insurance can include a very large number of optional guarantees :

  • Damage guarantee: is available in collision damage cover and all-accident damage cover. It intervenes when your vehicle is damaged, whether or not you are responsible for the claim, whatever the accident (crash in a car park, road accident, act of vandalism, etc.).
  • Flight : indemnifies against theft or attempted theft when there is a break-in. It therefore does not work if you forget your keys in the ignition.
  • Fire : compensates for damage caused by fire or explosion.
  • Broken glass: it varies according to the contracts but generally compensates if your windows are damaged (windscreen, side windows, rear window, mirrors, headlights sometimes).
  • Storm : compensates for any damage caused to your vehicle by a storm.
  • Natural disaster: compensation in the event of damage caused to your vehicle by a natural disaster (interministerial decree published in the Official Journal).
  • Technological disaster: compensates in the event of damage caused to your vehicle by a declared technological disaster (interministerial decree published in the Official Journal).
  • Driver’s Warranty: covers the costs relating to bodily injury and covers medical costs (hospitalization, surgery, compensation following a work stoppage, or even funeral costs if the driver dies).
  • Support: this guarantee allows you to benefit from assistance in the event of a claim. Generally, it includes several services, such as the help of an advisor online or on the phone to help you solve your breakdown on the road. It can also include a troubleshooting solution in the event of a disaster. Moreover, there is 0 km assistance: a repairman will come and move your vehicle wherever it is, even at the bottom of your home.
  • “Vehicle contents” warranty: in the event of disappearance or damage to personal objects in your car, you will obtain a refund

How much does it cost to insure your car against all risks?

Of all the car insurance formulas, the comprehensive is the most expensive. The cost of all-risk insurance is indexed on several criteria:

  • the number of guarantees and their level;
  • the vehicle (brand, model, value, power, age, color, etc.);
  • the profile of the insured (history as a driver, level of bonus malus, young driver, experienced or senior, gender, place of residence, etc.);
  • the location where the vehicle is parked (closed garage, private, covered parking, in the street, etc.);
  • the amount of the deductible, an amount that you will have to pay yourself in the event of a claim.

Thus, according to these criteria, the premium amount will vary. If, for example, you want to insure an expensive car like a DS7, you have already had several accidents, you have penalties and you park the vehicle in the street, you risk paying a lot of money. In addition, according to data from oure car insurance comparator average price for comprehensive insurance was 643 euros per year*.

*Methodology: this study is based on 413,000 car insurance rates made in 2020, for drivers aged 18 and over who made an insurance comparison on Assurland.com.

Average price for comprehensive insurance















Insurer Annual rate Application fees
mma 222 € 15 €
Direct Insurance 263 € Included
Active Insurance 278 € 25 €
MAAF 284 € 22 € (Membership fees upon subscription of the 1st contract)
Eurofil 284 € Free
AVIVA 292 € Free
The olive tree Insurance 295 € Included
FMG 323 € Free
Euro Insurance 397 € Free
AMV 411 € Free
SOS PENALTY 709 € Free

*Methodology: these figures were found by carrying out a pricing on Assurland.com with the following profile: 40-year-old man, single, with a 50 bonus for 3 years and having had no claim during the last 3 years , employee, private use of the vehicle for 10,000 km/year, resident in Nantes, driving a 2017 Fiat 500 1.2L 69 Lounge 4cv.

All-risk insurance: in which situation are we not compensated?

An all-risk policy will give you cover for most claims, even when you are responsible. Please note, however, that there are case you will not be compensated :

  • if you are driving while intoxicated;
  • if you are driving under the influence of narcotics;
  • if you commit a hit and run.

Moreover, the use of your vehicle drunk or under the influence of narcotics can have serious consequences. First, you risk lose points on your licence, or even have it withdrawn, in addition to being penalized by a fine. You will also have to cover out of your own pocket the restitution of the victims if there is any. Then you will be penalized with penalty, which will increase your premium. Finally, you even risk being deregistered by your insurer. You will then be registered in the AGIRA register and it may be very difficult to find a contract. Indeed, taking out car insurance is complex for a terminated driverbecause insurers consider these profiles to be at risk.

Comprehensive Insurance FAQs

  • Is being fully insured compulsory?

    In France it is mandatory to be insured for civil liability to be able to drive his car. On the other hand, it is not compulsory to take out more guarantees.

  • Comprehensive insurance is the recommended choice if you wish to have the better coverage possible for you and your vehicle. It is particularly suitable for an expensive vehicle.

  • It is generally considered appropriate to take out all-risk insurance for up to 5 or 7 years of the vehicle. After this age, it is often preferable to subscribe to an intermediate formula or “third party insurance plus”.

  • Whereas third-party insurance only compensates for material and bodily damage caused to a third party during a responsible claim, all-risk insurance offers more guarantees to be better coveredt.

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