courtesy car – CompareInsurance.ae Blog

When comparing third party car insurance online, the cheapest policies tend to be the ones without additional features. Unfortunately, these may not provide the right level of cover and protection. That’s why it’s vital to check what’s automatically included in your policy and what you might need to pay extra for.

To help you get the right cover, here’s all you need to know about car insurance extras.

What are car insurance extras?

These are cover benefits that insurers can add to your policy at an extra cost. They include:

• Breakdown cover
• Legal cover
• Courtesy car cover
• Cover for driving abroad
• Personal accident cover

Some policies offer more benefits as standard than others. So, it’s worth comparing different policies to find what suits you.

Which do you need?

Generally, the add-ons you choose depend on your budget and needs. For example, adding personal accident cover to your policy can raise your premiums from £10, 000 to £100, 000, so you have to afford the extra cost.

Alternatively, if you want to save money and need extra protection against uninsured losses, you may need legal cover. This protects you against the legal expenses you incur after an accident that wasn’t your fault.

If your car is unreliable and breaks down often, you might want to consider adding a breakdown cover to provide you with roadside assistance and recovery services. You can add it as an extra or purchase it as a standalone policy.

If you rely on your car every day, consider buying a courtesy car cover, which provides you with an alternative vehicle if your current one is unavailable following an accident. But, to get a courtesy car, there are some conditions you have to follow, including using an approved garage for repairs. So, speak to your insurer first to know the terms and conditions required.

Ultimately, assess your needs before adding any extras to your policy. They may seem like an unnecessary expense at first, but their benefits far outweigh their costs.

Don’t know where to start with your car insurance extras? Compare Insurance is happy to help. Browse our website today to compare auto insurance quotes online and quotes from different providers.

Photo: Free image by Pixabay

How to get cheap car insurance online

Anyone who uses a car will need car insurance. This is a regular payment which can be a major expense for many people, as well as being time-consuming for owners to set up. There are many different policies out there, often with wide-ranging costs, so how do you ensure you get the best deal for your money? Our experts at CompareInsurance.ae know all the tips and tricks and want to share them with you!

1. Choose a cheap car to insure

If you are looking to buy a new car but are worried about the insurance costs, then take a look at the average insurance costs of cars before you buy. Cars that may be at the same sale price point may have hugely different insurance costs, so always check with an insurance broker before buying.

2. Pay in one go

You will often get a choice of whether to pay your insurance in one lump sum or in monthly instalments. Paying the whole cost in a single go will often reduce the total amount you need to pay, as your insurance company won’t charge any interest on monthly instalments. If you have the funds, then paying upfront is always best.

3. Reduce annual mileage

If you limit the amount that you are on the road, it stands to reason that your insurance premiums will be reduced. Insurance companies analyse your time on the road through annual mileage, so a lower annual mileage will lead to a lower insurance cost. Make sure you are realistic with your mileage claims, though, as if your provider finds out that you weren’t accurate then there could be problems further down the line.

4. Check the extras you get

Different insurance premiums will have different benefits, including windscreen cover, breakdown cover and the use of a courtesy car. All of these will increase the costs of your insurance premium, so it’s well worth thinking about whether you really need to be paying for these benefits.

To compare car insurance, speak to our motor insurance specialists via our online chat or Whatsapp. Our staff are always ready to help you save money, so take a look today!

Photo: Free image by Pixabay