Having a car is not cheap at all. In addition to the costs of purchase, maintenance and fuel, insurance premiums increase in significant amounts over the years. However: very few people can and want to do without a car. It is important to save money wherever possible. By the end of the year, car owners start regularly with insurance premiums and go hunting for cheap rates. A cheap contribution to car insurance is not the only criterion that consumers should consider. It is worth taking a closer look at the conditions to avoid bad surprises in case of emergency. Securing the car from freey, for example, offers attractive terms.
Quality of liability of motor vehicles
Vehicle insurance through motor vehicle liability is mandatory. However, there are big differences between insurers. To cover personal injuries, the legislator estimates a minimum coverage of 7.5m euros. But it is in these cases that the amount is quickly used up by the costs of treatment and treatment or by perpetual pensions. As a rule, vehicle owners should insure themselves as much as possible through vehicle liability insurance. An insured amount of at least 50, better yet 100 million euros minimizes the risk of financial ruin in the event of serious accidents for policyholders for a few extra euros. If you rent a car abroad, you should also cover this with the “Mallorca Policy”.
Casco Trap: Great negligence
Some low-cost insurers use a hedge against comprehensive insurance claims in the event of gross negligence. Drastic reductions can then be the result when operating a red traffic light resulting in an accident. Since no one is perfect, car owners should contractually waive the waiver clause for gross negligence for legal certainty. This saves a lot of money and trouble in the event of an accident, but increases the insurance premium by a few euros. Even if the waiver clause is used, driving under the influence of alcohol or drugs is considered gross negligence and leads to loss of benefits.
Casco Trap: Workshop Commitment and Replacement Value
The comprehensive insurance contribution can be reduced by up to 20 percent if you agree to be affiliated with a workshop. The insurer selects the workshop where the vehicle repairs are performed. Above all, owners of rental cars, funded or new should avoid this. In order not to lose the warranties of the new cars or to jeopardize the lease or financing contracts, in these cases an authorized workshop should be visited.
In the event of damage or theft of new cars, insurers usually reimburse the original value for a maximum of six months. In addition, only the replacement value is paid. However, a good provider works with a new pricing clause of at least twelve months. However, this extension is usually not cheap.
Use discount savers
Discount savers absolutely respect their name in case of damage. Although free throws cost about ten to 15 percent higher than the annual insurance premium, there is no premium increase for self-inflicted accidents. If the unassuming personal class were to shrink over the years, this would usually be much higher than the price for discount protection. When using discount savings when changing insurance, policyholders should ensure that discount protection is not lost. Then there is the threat of a corresponding decrease and increase in insurance premiums. This is often the case, especially with the cheaper providers.
Protection from accidents involving animals
Basically, comprehensive insurance covers accidents related to fluffy play. Moreover, insurance against collisions with all animals makes sense for vehicle owners, especially in rural areas. Where there are many farm animals such as horses, cows or sheep, a collision with them with expensive damage can not be ruled out. Furthermore, you can protect yourself from Tuesday bites and possible subsequent damage to your wiring and hoses through the fuse for little money.