How to choose AC insurance so as not to overpay and have as many benefits as possible

How to choose AC insurance so as not to overpay and have as many benefits as possible

Many drivers choose insurance at all do not look at the cost of the policy and the guaranteed protection. You may find that an expensive policy does not offer many benefits in the event of damage. Let’s see how…
How to choose insurance so as not to overpay and have as many benefits as possible?
Many drivers choose to take out insurance without looking at the cost of the policy and the guaranteed cover. You may find that an expensive policy does not provide many benefits in the event of a loss. Let’s see how well you can choose your insurance policy.
Insurer rating
Based on the opinions on the general experience of drivers and solvent insurance, it can be concluded that in terms of payment, speed of problem solving are better and worse insurers. When choosing an insurer it is worth to be guided not only by the amount of premiums, but also by the reputation, history, opinions of other drivers, etc.
Check the insurance terms and conditions
It is the insured’s responsibility to read from A to Z of the contract and all its appendices. Each insurer determines the exclusions from liability, reserves the right to refuse to pay compensation or reduce the agreed amount, e.g. if the driver has breached the contract. It is not difficult to break them down. It is enough not to secure the car, transport prohibited or too much luggage or use the car in any other prohibited way (e.g. to transport people for a fee).
Find out what form you will receive compensation in
Sometimes companies use an unfavourable conversion rate for repair costs. Some insurance companies reserve the right to install non-original parts that may sometimes not fit or wear out more quickly. The driver can be loss-making here. Some people underestimate repair baskets because of the age of the vehicle or wear. It is also important to choose a method of settling the damage. You can get cash in hand or the company will repair the car at its own expense. You can easily compare insurance companies using the insurance calculator: A preliminary comparison will let you know how much you will pay for your insurance policy and insurance.
Benefit from discounts and promotions
Drivers who drive safely, have no crashes, can count on better insurance conditions. This is a good opportunity to get a lower insurance premium rate or better conditions, e.g. a higher insurance sum. You can save even more by choosing a home, car and life insurance package. Some companies periodically offer favorable promotions, thanks to which you can hit the really great bargains. Often such offers are only available online.
Assess the risks
It’s always a good idea to reasonably assess the risks and choose the policies that are really necessary. Sometimes companies offer additional options that you may never use. If you occasionally go abroad, e.g. during holidays, there is no need to choose year-round cover. Proceed in the same way with any other add-on.
As the specialist from the insurance comparison engine emphasizes:
…Such policies are definitely cheaper. However, they provide a limited scope of protection. If a driver tempted by a low price chooses the cheapest insurance with a number of exclusions, it may turn out that in case of damage the policy will prove to be completely useless.
Replacement car
A replacement car is not a luxury – sometimes it’s a necessity. Some companies will reimburse you for travel expenses while repairing your car, but by public transport. You have the right to demand a replacement vehicle or to cover the costs of renting a car for the time of vehicle repair.
Height of the integral franchise
We also emphasize that it is worth paying attention to the minimum amount for which the insurer is responsible. Usually, insurers do not want to be liable for damages whose value amounts to several hundred USD. You can circumvent this by choosing insurance without an integral franchise.

  • Prev Post
  • Next Post