Construction All Risk protects building contractors against unexpected damage at the construction. Covered are all contract works, building materials, parts and fittings as far as they are part of the construction.
CAR is an insurance against all unexpected damage or destruction. This is specially the case for adverse weather (e.g. storm), natural disasters (e.g. earth quake, flooding), material defect, theft of incorporated parts as well as vandalism or sabotage.
Excluded are all damage or destruction due to war, nuclear energy, riots, seizure or other governmental action as well as gross negligence of the insured. Apart from that the following is not insured: shortcomings in the execution, loss of parts not already connected to the building or loss in disregard of safety measures.
In total CAR covers all costs for the reinstatement of the status quo before the incident.