First, correct a mistake. There is no such thing as "all risks". That all risks are amateurs? What do you mean by all risks? What if all kinds of insurance are insurance? Do you buy vehicle insurance? Do you buy modification insurance? Do you buy property insurance in the car? The score of auto insurance is very high, subdivided into more than a dozen items. If you buy them all, you will spend more money than you did on a car. Will you buy it? The more insurance, the better. Just like wearing clothes, what suits you is the best. Otherwise, it is a waste, and buying an insurance company will not compensate you.