When you take out a car insurance policy there are additional add-ons and extras that are available that can help you custom design your policy but can also make deciding on a policy slightly confusing.
The additional extras available differ between insurers and are subject to their terms and conditions, here are some of the add-ons available that you can use to customise your car insurance policy:
A very common add-on that drivers look for is breakdown cover. These vary in scope; some will provide a basic cover that simply provides roadside repairs whilst others provide the option to tow your car to the garage should roadside repairs be insufficient.
Legal cover is a specialised addition that provides drivers with a set amount of cover for costs that are usually classified as ‘uninsured losses’. These are the costs that accrue when pursuing a car insurance claim or when someone else has brought a claim against you. This additional legal cover usually covers legal expenses between £50,000 and £100,000 depending on the insurance provider, to help you recuperate insurance excess, transport fees, loss of earnings and compensation.
Pretty much every comprehensive car insurance policy provides cover for damage to the windscreen. Because of how common and relatively cheap to repair windscreen damage is it’s rarely economical to make a claim on your policy. To do so would require you to pay your full excess and the claim will show up on your records in the future. Because of this, you can add on a separate windshield cover with a lower excess and with some insurance providers willing to pair minor damage such as chips or cracks without charging you anything.
Driving other people’s vehicles
Also known as DOC cover, Driving Other Cars cover will provide third party cover for the main diver when driving another person’s car, but won’t cover that main driver for driving a car that they own. That vehicle will need another policy of its own. This is a good addition to have in case of emergency or to occasionally use a family member or friend’s car.
Use Quote Goat today to compare car insurance policies and see which additional cover you can add to your policy.