If you are someone that owns a car, then you are probably more than aware of the bane that is purchasing car insurance. Though you knew it was coming when you first bought your car, nobody could have expected that you would be paying the prices that you are. It seems like every year your insurance only gets more expensive and your provider recommends that you add additional extras on top of the coverage that you already have.
Unless you are someone that is well educated in the world of car insurance, then you may not really understand what all of the car insurance extras mean, so you may feel as though you need to trust your provider’s professional opinion.
What if I told you that not all of the extras that you pay for are necessarily worth it. You have to remember that car insurance firms are still businesses, so even if they have your best interest in mind, they still want you to pay as much money as you can so that they can turn a profit. This means that many insurance companies will advertise extra cover and insist that you need to invest, even if that is not necessarily the case.
Though some of the extras that you can get are worth it, there are plenty out there that are not. If you are someone that is finding it difficult to cover all of the extras that are being offered by your insurance company, don’t worry. These are the insurance extras that are actually worth your investment.
Breakdown cover is one of the most popular insurance extras and is definitely one that you need to continue paying for. Breakdown cover basically means that if your car decides to break down when you are on the road, then your insurance will cover any roadside assistance and will cover the cost of taking your car to a garage.
This is an essential extra to pay for as most insurance policies do not include breakdown cover as a part of the standard policy. This is especially the case if you go for cheap SR22 insurance and similar companies as the price they charge is far too low for them to be able to provide this kind of cover as standard.
Cars are extremely unreliable and can break down at any point without any notice and trying to get road recovery can be extremely expensive, so we recommend that you make the investment into breakdown cover. This additional cover is usually much cheaper than a lot of the other extras that you can buy and will save you a lot of money in the future.
Courtesy car cover
Once again, if you are someone that owns a car then you will know just how easily cars can break or just genuinely break down. Though a lot of car insurance companies offer to cover the cost of fixing your car, this does not fix the problem of needing a car to use in the meantime.
This is why we believe that courtesy car cover is extremely important when it comes to extras that you can get with your car insurance. Something that is important is checking the details of your insurance provider’s courtesy car policy. Usually, when you pay for courtesy car cover, there is a set period that you can keep the car for, which sometimes doesn’t match up with how long your car may be out of commission. If you do decide to pay for this extra cover, ensure that you are guaranteed at least 21 days of courtesy car cover.
If you are someone that has an expensive car, then do not expect to receive a car that meets the standards that you are familiar with. Insurance companies prefer to focus on providing quality as long as there is plenty of space within the car, so you can expect to receive a hatchback or a car similar to that.
There are also a number of risks that come with deciding to use a courtesy car, as you may know, you could also damage the courtesy car during the period that you are using it. This may lead to further charges, so this is why people sometimes choose not to use a courtesy car cover.
Personal accident cover
Though being able to drive gives you freedom and the ability to access locations with ease, driving does come with its own risks. Anything can happen when you are on the road and this is why we recommend that you get personal accident cover.
Personal accident cover essentially covers you if you experience any injuries when you are in your vehicle. However, with most insurance companies there are limitations on what they will cover you for. If you die, permanently lose a limb, or your sight, then it is likely that the insurance claim will not apply to your circumstances.
Depending on the policy that you pick, you can expect to receive 10 thousand to 100 thousand dollars worth of cover, meaning that any injury that you may get while behind the wheel will be essentially covered. In order to get the higher coverage, you may be expected to pay a bit more money, but this will at least mean that you will not need to pay any unexpected medical bills in the future.