When getting car insurance, you might be naturally drawn to the cheapest plan — the one without any extras –– to save up extra money. As much as you want to dismiss the policy extras, however, you need to consider its benefits and protections.
That said, here are some of the car insurance extras you might need to know about.
1. Courtesy car cover
In the event of a car accident, it’s possible that you won’t be able to use your vehicle for a specified period. This is where a courtesy car cover comes into the picture. This coverage type ensures that your car insurer will cover the cost of a courtesy car while your car is being repaired or replaced. Usually, the courtesy car will need to be similar to the make and model of your owned vehicle.
2. Windscreen cover
Windscreens are vulnerable to chips and cracks, and having it repaired can be costly. With an extra windscreen coverage, your car insurer will pay for the chipped, broken, or cracked windshield, whether they need to be repaired or replaced. This will significantly save you on unwanted expenditure.
3. Breakdown cover
Some of the frustratingly inevitable incidents that vehicle owners face are engine troubles, mechanical and electrical failure, and flat tires. In fact, even running out of fuel is possible at times. These incidents can leave you stranded and bound to expensive bills for towing and repair later on.
There are now more insurance companies that offer a breakdown cover as an additional policy on top of your standard insurance plan. This type of car insurance extra will cover car towing, replacing the battery, minor repairs, flat tire change, and emergency fuel.
4. Legal expenses cover
Do you need to take someone to court to reclaim the uninsured loss of earnings due to an accident that wasn’t your fault? If you find yourself in this situation, you’ll find that a legal expense cover will be extremely helpful. This type of car insurance extra covers the fees of your lawyer or solicitor and even when someone files a claim against you in court.
5. Replacement keys cover
If you frequently lose your car keys, then you might want to consider getting a replacement key coverage. This type of car insurance extra will have insurers efficiently replace your keys and remote-locking devices if they’re stolen or lost.
6. Protected no claims cover
If you don’t mind shelling out money for extra insurance coverage for your vehicle, then consider the protected no claims coverage. This type of car excess insurance protects your no claims discount when you make a claim.
If you’re thinking of adding extra car insurance coverage, consider the ones given in this article. When it comes to insurance, it’s important that you explore the possibilities of extra coverage to ensure that you’re always protected, no matter what happens.
Keep in mind that your car insurance provider might charge you more for extra coverage. For this reason, you might want to take a look at a suitable car excess insurance company to give you more reasonable fees for additional car insurance policies.
If you’re looking for car excess insurance cover in the UK, get in touch with us to see how we can help.