Driving without car insurance is considered an offense in many countries. Hence, most drivers, especially new drivers, are encouraged to get insurance cover before hitting the roads. Several insurance companies offer varied insurance packages, each tailored to meet the driver’s different driving and financial needs. Before choosing a given cover, it’s best to research various car insurance packages and the firms offering them to find what’s best for you. One of the most popular car insurance covers is the comprehensive car insurance package.
Here are a few things you need to know about comprehensive insurance cover.
What is comprehensive car insurance about?
Comprehensive insurance is an extensive car insurance package that covers the driver against any damages and any third-party liabilities. Aside from taking care of bills resulting from damages to the car, the insurance policy also protects you financially against losses arising from an accident. With this cover, you can effectively protect yourself from unforeseen events such as fires, theft, accidents, and natural disasters.
Most people often confuse comprehensive car insurance with third-party cover; however, a comprehensive insurance policy provides more robust protection. Despite its comprehensive nature, this policy is not that expensive. This insurance policy is probably the best protection you can give yourself and your car. Unlike the third-party cover that offers protection for a third party or the vehicle you ram into, comprehensive insurance protects your vehicle in the event of an accident.
Benefits of buying a comprehensive insurance policy
A comprehensive policy protects your car from an unforeseen event except for collision. This cover also takes care of any financial losses incurred as a result of the accident. Here are some of the benefits of getting a comprehensive insurance policy.
- This is the most superior protection you can provide your car.
- When found at fault in an accident, you can claim for losses incurred as a result of the accident.
- With this cover, you can take care of the lawsuits and even legal fees related to the accident.
- Peace of mind and financial protection; the cover offers you financial aid to buy a new car when your old car is written off after an accident.
- Comprehensive coverage takes care of damages to your car, meaning you don’t have to worry about repair fees after an accident.
What coverage is offered under a comprehensive insurance policy?
A comprehensive insurance cover is probably the most superior protection you can offer your car. However, it doesn’t protect you or the vehicle from all kinds of scenarios. Before committing to this policy, it’s best to understand what the policy entails. In most cases, you may not have to worry about the following.
- Damage caused by natural disasters
- Damage to the car caused by riots or any other civil disturbance
- Damage to third-party
- Damage caused by falling objects such as flying debris and tree branches
- Legal Liabilities
- Temporary replacement
- Roadside assistance
However, keep in mind that different insurance providers offer different covers under a comprehensive insurance policy.
Does comprehensive car insurance offer reliable roadside assistance cover?
As stated before, before signing the insurance policy, it’s best to review all their offers. However, most insurance companies offer roadside assistance cover under their comprehensive insurance policy. This cover is also referred to as breakdown cover and is a good way to protect yourself in case of an emergency while on the road.
What does roadside assistance cover?
A roadside assistance cover protects you from car-related problems while on the road and unable to reach a garage or mechanic. Under this cover, a certified mechanic travels to your location to help with the vehicle 24/7.
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Services rendered under a breakdown cover varies based on the level of coverage. You can either get onsite repairs, towing services, or access to your vehicle when locked out. You can as well get refueled when your tank runs dry in the middle of the road. All in all, the services provided are highly dependent on the chosen plan based on the amount of premium paid.
Who benefits from roadside assistance?
All drivers with a comprehensive insurance policy covering roadside assistance are eligible for roadside aid to help them get back on the road. The road is full of uncertainties, especially when driving on dangerous roads. Frequent drivers needing help include the elderly and new drivers who find it challenging to fix minor car issues or even change a tire.
Having a roadside assistance plan included in your insurance cover can prove to be an invaluable asset. Getting a mechanic to fix your vehicle can be expensive or complicated, especially late in the evening when you are far from home. However, a roadside assistance plan takes care of everything, including finding a mechanic, their travel, and labor fees. As stated before, it’s best to review your comprehensive package to ensure you have all bases covered in case of an emergency.
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