The 60-second version
CAR policy covers construction phase damage to works, third-party injury, and adjoining property — banks and RWA often require it before interior renovation or villa build.
CAR covers construction period — not completed building fire
Contractor's all risk insures the project during construction — collapse, storm, theft of materials on site.
Separate fire policy needed after completion and occupation.
Fire lane: fire insurance guide.
Construction cover stack
| Policy | Phase | Covers |
|---|---|---|
| CAR | During build | Works + TP liability |
| Fire | After completion | Building + stock |
| Workmen comp | Labour injury | WC Act |
| PL | Visitor slip | Premises |
CAR setup
Project scope
Value and duration on schedule.
Principal vs contractor
Who buys policy per contract.
Cross liability
Named parties on policy.
Mortgage/RWA
Submit cert to bank/society.
Timeline
CAR kit
- Project value.
- Timeline.
- Contractor PAN.
- Site address.
- Policy cert.
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Owner-builder
You buy CAR even if hiring contractor — do not assume contractor policy covers you.
Quick visual
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Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
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Turn this guide into a decision file
0 of 4 checked
Flat interior only?
CAR for structural work; smaller jobs may use contractor WC only.
Bank home loan?
Lender may require CAR until completion certificate.
Delay extension?
Extend CAR if project slips — lapse voids claim.
Theft of tiles?
CAR material on site — not after installation.
Third party?
TP injury during construction covered under CAR.
vs fire under construction?
CAR is broader during build phase.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.