A package name is not complete cover
All-risk can sound as though every event is paid. Treat the term as a reason to examine a particular variant instead. Scope belongs in the wording and any additional arrangements. A comparison needs two actual contract versions, rather than two names or checkmarks on product pages.
Interpolis, for example, offers Uitgebreid and All-Risk and describes certain damage you accidentally cause under the latter. That is a distinction between those products, not a universal definition transferable to every other insurer. The relevant variant's restrictions still matter.
Use one straightforward example
Take a hypothetical vase knocked over while moving a chair. Describe the action, object and place, then find how each variant treats that unintentional event. Avoid changing the facts favorably to fit a provision.
Compare another event type next, such as damage during cleaning. The first example may say little about this question where wording treats work on objects separately. You do not need an exhaustive collection of invented accidents; two clearly described cases can reveal which passages remain unclear.
Where promotional material gives an example, look for associated explanation or a link to the wording. An example illustrates a point rather than becoming an independent contract. It does not prove an apparently similar situation receives the same result.
Read what the extension leaves out
Find exclusions and special property categories in both variants. Broader accidental-damage wording may still have limits for a category or use. Record the actual passage concerning that category.
Check the excess and insured location too. Broader event wording does not remove those questions. The comparison therefore cannot reasonably be reduced to one variant covering everything and another covering nothing.
Make a brief note of the established difference and unresolved question, including the version date. If a name stays unchanged while terms develop, that avoids treating an old comparison as current.
Match the answer to the question
Ask the insurer to explain the provision relevant to your example. Asking only which package is best hides the particular uncertainty. An answer identifying the event, restriction and relevant additional provision is more comparable than a repeated package name. Keep that response with the version discussed, particularly if your existing policy differs from a newly advertised product bearing a similar title.
