What should you add to a car insurance?

Insurance keeps your finances safe when accidents happen. To what extent this is done however depends entirely on you, determined by the amount of coverage your insurance offers.

Car insurance is one of the most common insurance classes known and taken advantage of by all and sundry. It ensures automobiles against loss of or damage to, including death that might arise as a result of an accident whilst using the vehicle.

It is compulsory in most countries to have car insurance before using or keeping a motorbike vehicle on public roads. In the UK, it is required for every person who has a vehicle to at least have third-party personal injury insurance; this is the minimum level of insurance available. It is an offense to use a vehicle or allow others to use your vehicle without some sort of insurance to protect it.

Car insurance rates are usually on the rise. This is due to the rising costs of vehicles. One wonders what should be included and what not to.

Personal liability should be paramount. Keeping yourself and family members safe is key. Furthermore, if you do not have health insurance, it is advisable to load your car insurance with coverage that will cover health bills in case of medical expenses incurred in a major accident.

Always consider the worst-case scenario when choosing an insurance cover. What if your car needs to be replaced? It is better to always choose the insurance cover that either repairs or replaces the car should such a case arise.

Certain coverages are recommended for certain drivers. For example, if you have a teen at home, it is advisable to include them in your liability coverage. Experienced drivers with past mistakes, such as moving violations or accidents, should also advisably have higher premiums.

But don’t overdo it. Insurance companies are generally looking for ways to sell you more coverage. After all, the more coverage you get, the more money they make. So, unless you own an expensive vehicle, drive extensively or don’t have adequate health insurance, you don’t need high coverage.

It is important to have a European Breakdown cover when driving to and within Europe. The European breakdown cover offers familiarity, freedom, and flexibility to motorists. It should be included in your existing breakdown policy but if it isn’t, you can always purchase it as a standalone policy.

The breakdown cover which exists include;

  • Roadside assistance: This covers you if you break down during a journey. This cover ensures you still get the benefit of roadside assistance when driving in continental Europe
  • At-home recovery: Also known as ‘home start’, this covers you if you break down at home or nearby, typically between a quarter of a mile and a mile from your home address.
  • Onward journey: This will help you to continue your journey if your car can’t be fixed at the roadside. This could include a courtesy car, overnight hotel accommodation or public transport.

Others include European recovery which provides cover for your trip if you’re holidaying in Europe by car and national recovery which offers tow to any location in the UK in addition to a roadside repair service.

We ask that you check out for a befitting and cost-effective insurance plan today.