How To Know If Your Car Insurance Is Sufficient Enough

If it’s your first time signing up for a car insurance policy, you might feel worried about not getting the extent of coverage it offers. You might be enticed by the packages and promises a car insurance plan may offer but giving it without much thought before deciding can result in hefty losses. However, this can be avoided through a comprehensive car insurance policy.

On the other hand, it’s also important to note that if you include too many unnecessary add-ons in your plan, then you might end up paying more than you need to. Here are some of the most essential car insurance add-ons to help you make a wise decision:

Comprehensive VS Third-Party Liability: With Third-Party Liability Only, in case of an accident, only covers the other car and passengers, so if you caused the accident you would have to pay for your car’s damages. So, it’s best that you opt for a comprehensive insurance, a plan which also covers your car.

With comprehensive policies, it does not only cover accidents but also the damages caused by vandalism, fire, and theft. The coverage also extends to the driver and passengers who require medical assistance after the accident. With a fully comprehensive policy, the insurance provider will pay no matter who caused the accident, so you’ll get paid faster, whereas the Third-Party Liability Only policyholders would only get paid after the insurance provider finds out who’s at fault for the accident.

Roadside assistance: Since you’ll never know when will your car break down, this add-on proves to be a lifesaver. During unforeseen circumstances, your insurance provider will send help to repair your car or tow it to a shop, or even assist if you have a flat tire or your car had run out of fuel.

Wider GCC region coverage:  If you frequently travel across the GCC region, then consider availing this one. With this add-on, you can enjoy coverage even if you are driving in another country.

Agency repair: This add-on is ideal for you if you want your authorised dealer to repair the car after getting damaged from an accident. If you don’t opt for an agency repair, it’ll be the insurance companies’ choice to pick where will they have your car repaired.

Those different add-ons will prove to be useful and customise your policy accordingly. Not all insurance providers might offer these add-ons, so you might have to do a bit of comparison. If your existing insurance provider does not offer these additional options or is not cost-efficient, then switch to another insurance provider when it’s time to renew your car insurance. If you are a safe driver, then get a ‘no claims’ discount at the time of your renewal.

Be sure to carefully read through the agreement to fully understand what’s included in the policy, such as types of natural disasters. It will also be best to know the limits and conditions for each type of coverages. Lastly, it’s also best to consult with professional insurance brokers to know more about selecting the best car insurance for your needs.

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