When it comes to budgeting a car insurance, it is not enough to enter the data in a comparator and choose the cheapest. If we do that, it is likely that we are leaving coverage along the way, which can penalize 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 the accessories of our vehicle
It may seem silly, but we will see that:
In case of not declaring in 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 is damaged for which we pay 500 euros more, even if we have an All Risks policy if it is not declared in the policy, the insurance company would not compensate its repair or replacement.
Or, even if we have a Third Party insurance with theft, and they break a window and steal the stereo equipment that we have purchased 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 those extras or accessory packages that our car has.
Unlimited mileage assistance
Roadside assistance is one of the most overlooked coverages when taking out car insurance, and yet it is essential when we are stranded in the middle of the road.
It is at that moment when, when calling the company, we realize the type of policy we have contracted, and if it will really solve the problem or not.
If we have a limit of km in the policy, we will not be able to choose the workshop where we want the vehicle to be towed (let’s imagine that we want to send it to the official workshop in our city). In that case the company will send it to the garage of our 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 of great help. Besides, then we will have to go to pick up the car.
Therefore, do not hesitate and choose a type of insurance without mileage limit to avoid these problems.
Collision with game animals
When we have an All Risks insurance, this optional coverage is perhaps not so interesting (although if we have it with Excess, it will help us not to pay for it).
But, if we have a third party auto insurance it will be a very interesting optional guarantee. Not for nothing:
They will payus the amount of the repair in case we collide with an animal, even if we do not have an All Risk (be careful, some companies have limitations…).
In rural areas or near mountains and others, it seems to us that it is a coverage that we should subscribe. 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 can be lucky and when we take our car to the repair shop, they have a courtesy vehicle available.
However, this is not always the case, so if we are people who use the car almost every day, we should have this coverage 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 hours of repair in a workshop to grant coverage.
In addition, the best replacement vehicles not only cover in case of accident, but also in case of breakdown. Few companies offer this, however.
You can see that there are many things to take into account when choosing car insurance. That is why, from PIB Group Iberia, we inform you and help you to make the right decision. Do not hesitate and contact us. Get the maximum bonus on your car insurance.
