The first thing you need to do once you acquire a car is to buy a good insurance cover. By law, you are required to insure your car, with third party protection being the most basic of covers you must have. Choosing a good insurance policy is not easy as you have multiple things to consider such as the model of the car, your age, how many people drive it, and so on. It is very advisable to read the fine print of any car insurance policy before you choose one, as it might just be the difference between getting your provider to pay or reject your claim in case of an accident. So, what is the difference between a good and bad insurance cover?
Depending on the level of protection you choose, your car insurance policy should be able to give you basic protection for incidences such as loss of your windscreen up to the market value. Should you also lose your personal items following an accident, your insurance policy should cover the costs of replacing lost personal belongings and should pay £300 or more. A bad insurance policy will not give you any of these options and you might end up forking out more money to cover these costs.
You should also look at whether your policy covers moving your car from an accident scene to a repairer. A good policy will provide the option of getting a replacement vehicle you can use for the time being as yours is being repaired. A good policy will provide this as a standard part of your car insurance or, you can have the option of adding it. Be sure to also check whether your policy covers additional costs you might incur should you be unable to get home following an accident. For example, if you were traveling with your family, you might need to sleep at a hotel as you wait to continue with your onward journey. A bad policy will not give you this option as part of your cover and you will have to pay for these costs on your own.
You should also be on the lookout for how much excess accident protection you must buy following an accident. A good car insurance policy will keep this to £100 or less while a bad one will have you pay more money. A good policy will also give you the flexibility of choosing how much to pay towards your claims in exchange for a reduced premium charge. A bad policy will not give you this option and, you will be compelled to pay higher excess fees with no reduction in your premium charges.
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