UK Car Insurance Options and Extras
To ensure you obtain the most suitable car insurance policy, it is imperative you know exactly what you want from your cover. You will probably be aware of the three main policy types and the level of protection each provides.
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Comprehensive Car Insurance – Covers you for claims made by other people for bodily injury or damage to their property, cover if your car is stolen or fire damaged, and accidental damage to your car.
Third Party Insurance – Covers you for claims made by other people for bodily injury or damage to their property. Plus your car is covered if stolen or fire damaged.
Policy Options and Extras
In addition to the cover levels delivered by each policy type (see above) it is possible to add a number (mix) of optional extras to your policy. Before buying your new car insurance it is important that you understand the additional features and benefits you can ‘bolt-on’ to your policy.
Adding optional extras onto your car insurance will cost you extra, so the cheapest option is to take out basic cover. But remember this might prove costly in case you need to make a claim. You will also discover that each insurer, intermediary and broker will offer a slightly different array of options etc.
An excess is the amount you pay towards a claim or loss of or damage to your car. With a voluntary excess the more you pay, the lower your premium will be, and vice versa. Be careful you don’t just go for the lowest premium and the highest excess as you will have to pay that excess in the event of a claim.
Breakdown Recovery Insurance
Breakdown Recovery will give you assistance in case you break down on the road. It provides services such as immediate repair, cover of cost of repairs, towing and alternative transport. Vehicle breakdown cover offered will vary from provider to provider and there are different levels of cover available, from basic to luxury.
Cover When Traveling in EU Countries
Normally all UK car insurance policies provide the minimum compulsory insurance cover required in the European Union. However this would not cover loss or damage to your car for comprehensive and third party fire and theft policyholders. For all policyholders including third party the level of third party liability may not be as great as in the UK.
For a small additional premium, you can choose to extend this minimum cover to give the full benefits of this insurance when you are traveling in EU Countries for up to 180 days (varies according to insurer) in a row, including when your car is being transported.
Adding an Additional Driver
Adding An Additional Driver – The majority of insurers can provide policyholders with a quote for adding on additional drivers. The leading question asked by motorists is often‘how will this affect the premium?’
Motor Legal Protection
Motor Legal Protection is designed to help you protect your legal rights. If you are involved in an accident that is not your fault, you have a legal right to claim back your uninsured losses, (losses not covered by your car Insurance policy), from the person who caused the accident.
Personal Accident Cover
This policy provides you with personal injury cover up to a pre-determined amount. This means you’re protected in the event of a serious injury resulting from a car accident.
Protected No Claims Discount (NCD)
Protected No Claims Discount (NCD) is when the policyholder chooses to pay an additional premium to his insurer so that in the event of a claim being made his no claims bonus (NCB) is not stepped back. It is usually only available at the point in time when a maximum NCB has been accrued.
If you are paying your motor insurance premium in installments, you might want to take out cover for your payment. For an additional cost your installments can be covered against accident, sickness or involuntary unemployment.
Hire Car Cover
Keep on the road in the event of an accident, recovered theft (which renders the vehicle a total loss) or an un-recovered stolen vehicle. For a small extra premium, your insurance partner will supply a hire car for up to 14 days (variable). Generally, Hire car cover can only be added to your policy if you have Comprehensive cover.