Breakdown Cover

What Does a Good Car Insurance Policy Look Like?

When you are in need of car insurance, it is important to know what a good policy generally looks like. Not everyone has the same needs when it comes to this type of insurance, but there are a few basic things to keep an eye out for. When you are shopping around, it is important to look for certain features. These features can make your life a lot easier in the event that something bad happens to your vehicle. You shouldn’t make a decision on a policy until you have considered these things.

Breakdown Cover

While breakdown cover is generally an add-on feature that you have to pay extra for, it is certainly worth the money. When you have breakdown cover you won’t need to worry about what you are going to do if you suddenly blow a tyre or your battery dies while driving. You will have a number that you can call up in these situations to get help.

You will find that breakdown cover such as this from RAC can help you when you are stranded on the side of the road because of some problem with your car. If the technician that is sent out to your vehicle cannot fix the problem, you will be towed to the closest garage. This keeps everything very simple so you don’t have to stress at all.

Lost Keys

If you lose your car keys or get them stolen, your policy should pay for new ones. The last thing you want in this situation is to worry about spending money on new keys, so you should spring for this extra feature. It won’t cost you a lot more money, and you will definitely be glad for it at some point in the future.

New Car Replacement

In the event that your car is stolen and cannot be recovered, your insurer should replace it without any out-of-pocket cost to you. There is absolutely no reason why your insurance provider shouldn’t cover this, as it is fairly standard. It is still something that you should ask about when examining your options. Not all car insurance companies offer new car replacement as a standard feature, but most of them do.

Accident Transport

If you are involved in an accident, it is important to have an insurance policy that will provide you and your passengers with transportation away from the scene. This is one feature that is typically classified as an add-on, so keep that in mind. It is certainly worth paying the small additional amount for when you consider how convenient it can be.

24/7 Helpline

The insurer that you choose should ideally have a 24/7 helpline that you can call if you ever have any questions or issues that you need addressed. Take the time to find out what kind of customer service each insurance company has. Chances are you will eventually need to speak to a representative, so make sure that they are going to be friendly and helpful.

Legal Expenses

It is highly recommended that you look for a car insurance policy that offers help with legal expenses in the event that you get into an accident where someone else is at fault. If you get sued by the other party, you could end up losing thousands of pounds without the proper cover. This is not a standard part of most policies, but it is worth paying extra for. Legal fees can wipe a person out, especially with a car accident.

Driving Abroad

If you tend to drive abroad sometimes, it is a good idea to have an insurance policy that will provide you with cover wherever you go in Europe. There is a European Cover option for breakdown cover that you should take some time to look into. You can most likely get cover for individual trips, and it’s usually pretty cheap to do so. This cover will provide you with the peace of mind you need no matter where you go.

Courtesy Car

Anyone who has ever been without their car for any reason knows how inconvenient it can be. If your car is in the garage, it’s always good to have insurance that will provide you with temporary car hire. While it is usually only for a day or two, it can still be extremely helpful. You won’t have to worry about finding someone who can lend you their car until you get yours back.

Whenever you are looking for a new car insurance policy, it is important to consider all of these features. These are some of the more important things that make up a good insurer/policy. The more you look into each of these things, the easier it will be to choose a policy that will prvide you with adequate cover.

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