When budgeting for a car insurance, it is not enough to enter the data in a comparison engine and choose the cheapest. If we do that, it is likely that we are leaving coverage on the road, which can penalise us in case of any incident with our car, and more importantly if it is your first car insurance. Let's see what guarantees we are talking about.
Declaring our vehicle accessories
It may seem silly, but we'll see:
In case of failure to declare on our policy those packages or extras that did not come as standard. with the car, we may have a problem.
This means that, for example, if we have a collision and the parking sensor for which we pay 500 euros more is damaged, even if we have an All Risks policy, if it is not declared in the policy, the insurance company will not compensate for its repair or replacement.
Or, even if we have Third Party insurance with theft, and they break a window and steal the music system we bought for 300 euros; if it is not declared in the policy, they will not pay for it.
For this reason, it is important to declare all the extras or accessory packages that our car has.
Unlimited mileage assistance
Roadside assistance is one of the most overlooked coverages The car insurance policy is an essential part of car insurance, yet it is essential when you are stranded in the middle of the road.
It is at that moment when, on calling the company, we realise what type of policy we have taken out, and whether or not it is really going to solve the problem.
If we have a limit of km in the policy, we will not be able to choose the garage where we want the vehicle to be towed (let's imagine that we want to send it to the official garage in our city). In this case, the company will send it to the garage of your choice within a radius of 100-150 km. But, if we are from Zaragoza, for example, and we are in Seville, this will not be a great help. Besides, we will then have to go and pick up the car.
So don't hesitate and choose a type of insurance without a kilometre limit to avoid these problems..
Collision with game animals
When we have an All Risks policy, this optional cover is perhaps not so interesting (although if we have an Excess, it will help us not to pay for it).
But, if we have a third party car insurance, it will be a very interesting optional guarantee.. Not for nothing:
Contact us at pay the repair costs in the event of a collision with an animal.al, even if we do not have an All Risks policy (beware that some companies have limitations...).
In rural areas or areas close to mountains and so on, it seems to us that this is a cover that we should subscribe to. Remember that the way to act in the event of these blows is to call the Guardia Civil, as we will need their report.
The replacement vehicle... Just in case...
Sometimes, we may be lucky and when we take our car to the garage for repair, they may have courtesy vehicle.
However, this is not always the case. if we are people who use the car almost every day, we should have this cover. in our insurance.
There are policies that cover the replacement vehicle:
- from the 1st day,
- others from the 7th, and
- most of which require a minimum number of workshop repair hours to grant cover.
In addition, the best replacement vehicles cover not only in the event of an accident, but also in the event of a breakdown. Few companies offer this, however.
As you can see, there are many things to take into account when choosing a car insurance policy. That's why, from PIB Group Iberia, we inform you and we help you to make the right decision. Do not hesitate and contact us. Get the maximum bonus on your car insurance.
