With these insurance policies, you are well insured in a car accident
An accident is in a small corner. This saying applies to everyday life AND applies when you are on the road in your car. You can be incredibly careful yourself, but you are always dependent on other road users.
To cover yourself against this risk, it is wise to get good insurance. The insurance policies below are not to be missed if you own a car.
Legal expenses insurance
On public roads, the craziest things happen. One moment of inattention can have serious consequences. Therefore, you should always pay attention. To cover yourself against these consequences, the advice is to take out legal expenses insurance.
With such insurance, you cover yourself against possible short- and long-term risks. Moreover, legal expenses insurance comes in handy not only when you are driving your car, but also in “normal” everyday life.
Appropriate car insurance
When you purchase a car, you are required to purchase third-party car insurance. This type of insurance covers your car and the damage you cause to other cars.
However, such insurance is not suitable for all cars. For example, do you have a relatively new car? Or did you buy an expensive car? Then it’s better to opt for all risk insurance car. Such insurance also covers damage to your own car. This is not the case with normal third-party car insurance.
By the way, you can also opt for third-party limited collision car insurance. That insurance is between third-party and all-risk insurance in terms of coverage. Make a good comparison between these insurance policies for yourself and pay close attention to your own car. You should especially look carefully at the age and value of your car.
Occupant insurance
Do you regularly travel with other people in your car? Then the advice is to purchase passenger insurance. With such insurance, you are covered against the damages of an accident. For example, is one of your occupants injured? All medical expenses involved are covered with occupant insurance. You will go on the road with more peace of mind as a result. Even if you have other people in your car.
No claim protector
Haven’t you accumulated any damage to your car in recent years? If so, you undoubtedly received an attractive discount on your insurance premium. The moment you file a claim, your claim-free years disappear immediately. You catch this risk with a no claims protector. This maintains your claim-free years if you make a claim no more than once a year.