{"id":4631,"date":"2026-01-14T13:48:30","date_gmt":"2026-01-14T13:48:30","guid":{"rendered":"https:\/\/grupoxandra.eu\/?page_id=4631"},"modified":"2026-02-17T16:15:21","modified_gmt":"2026-02-17T16:15:21","slug":"ik-heb-een-allriskdekking","status":"publish","type":"page","link":"https:\/\/grupoxandra.eu\/en\/ik-heb-een-allriskdekking\/","title":{"rendered":"Ik heb een allriskdekking"},"content":{"rendered":"
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I have All Risk car insurance in Spain<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Do you have any questions? We will gladly give you clear answers<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\treport a claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Is damage to my own car insured even if I am at fault? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. With All Risk, damage to your own vehicle is insured, even when you are responsible for the accident.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What about parking damage with no known other party? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Parking damage without an opposing party is insured under All Risk, provided you properly report and document the claim.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Does a damage exemption apply? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. The amount of the exemption is clearly stated in your policy and is applied to each claim.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Do I always have to report it to the police? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Only in specific situations, such as escape crime or unclear circumstances. We tell you when necessary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can I choose my own repairer? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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In most cases, yes. Sometimes the insurer requires an expertise or collaboration with a licensed repairer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can I repair before the expert comes by? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Those who want absolute certainty should wait for the expert's agreement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Am I entitled to a replacement car? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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It depends on your policy. Many All Risk policies include a replacement car during the repair.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What if the other party is also at fault? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Then liability will be investigated. Your claim can already be settled through All Risk without waiting for the other party.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What documents should I provide? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Photos of the damage, date and place of the accident, a brief description and the collision form, if applicable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Specifically, how does GrupoXandra help you with car damage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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We open the file correctly, communicate with the insurer and follow up everything in writing until the claim is settled.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Had damage? We'll take care of it for you.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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A claim is annoying enough, especially if you are in another country and not <\/span>everything proceeds in your own language. That's why we make sure that your damage <\/span>is handled correctly, clearly and as smoothly as possible.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\treport a claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Ik heb een\u00a0All Risk autoverzekering in Spanje Heeft u vragen? Wij geven u graag duidelijke antwoorden Schade melden Is schade aan mijn eigen wagen verzekerd, ook als ik zelf in fout ben? Ja. Met All Risk is schade aan uw eigen voertuig verzekerd, ook wanneer u zelf verantwoordelijk bent voor het ongeval. Wat bij parkeerschade […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4631","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4631","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/comments?post=4631"}],"version-history":[{"count":25,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4631\/revisions"}],"predecessor-version":[{"id":6540,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4631\/revisions\/6540"}],"wp:attachment":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media?parent=4631"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}