Car insurance is something that all drivers need to have, but not all car insurance is created equal. When you are looking to renew, it’s a good idea to look around at insurers who go that little bit further when it comes to your policy and doesn’t always charge the earth for it.
Here are a few of the insurance benefits you might want to take a look at for peace of mind and to get the very best from your insurer.
Enhanced Legal Cover
Accidents happen, whether they are avoidable or not. Being in a car accident can be a frightening and confusing experience, even if you aren’t physically injured. If you cause an accident, there’s a high probability that someone will bring legal action against you if they suffer injury as a result. Likewise, if you have been injured in an accident that you did not cause, you want your insurance to cover the costs of a reputable car accident lawyer who can guide you through your compensation claim.
No Claims Bonus Protection
A no-claims bonus is a precious thing. The longer you’ve had car insurance without claiming on it, the better your insurance premiums will be going forward. That’s why people are reluctant to claim on their insurance unless absolutely necessary.
Many insurers advertise a protected co-claim bonus, which usually means that it will not affect your record if you make up to a pre-defined number of small ‘at fault’ accidents on your policy.
Other insurers offer to protect your no-claims bonus if you are hit by an uninsured driver. With the number of cars on the road without the proper insurance, it could be worth adding this to your policy. There’s often no way other option than to claim on your insurance if you’re hit by an uninsured driver as they don’t usually have the funds to pay for a claim against them.
If your car is damaged and off the road, then a courtesy car can help you get around while you’re waiting for it to be returned. But not all courtesy car perks are the same. Some only have a small range of vehicles, which may or may not be suitable for you, and can take some time to arrange. Others will deliver a courtesy car to your door within a set period of time, or hire a car for you in the interim, meaning that the disruption to your life is minimal.
If you’re a two or three-car household, then it makes sense to put your cars on the same policy to get a bigger discount. Most insurers realise that differing renewal dates can make this difficult, so you can put one car on the policy, with the discount and move the other over when it’s time to renew.
Replacement Child Seats
Baby and child seats can be very expensive, with some costing hundreds of pounds each. However, the official advice is that if you are in any kind of accident, even with a relatively small amount of damage, you should replace your child’s seats. As you can imagine, this can be expensive, especially if you have more than one. Look for a policy that will replace your child’s seats if you’re in an accident.