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.
