Most of us take for granted the importance of having a car insurance and we often think that it’s another boring topic to tackle. A lot of people get auto insurance for the sake of having one or just to comply with the law. They really don’t have an idea on what they can get from their auto insurance policy. But the worst part of it all is that some individuals would rather buy a cheap car insurance because they think it’s just a waste of money. To tell you the truth, a comprehensive car insurance is the best investment you need to consider. It may cost more from you standard insurance policy but the benefits it can provide is worth the money you’re going to invest in it.
A comprehensive car insurance will cover almost all incidents on the road except for some accidents that are classified as negligence on the part of the driver. The coverage of a comprehensive car insurance will include:
- Damage to your car and all its accessories
- Damage you caused on another vehicle
- Injury you caused to other people due to an accident
- Glass breakage – sunroof, windows and windscreen
- Acts of God like floods, hailstorm, falling trees, landslide and other natural calamities
The law does not require you to get a comprehensive car insurance, so the decision will fall on you. But if you have a brand new vehicle or an expensive vintage car, then it would be advisable to avail of comprehensive auto insurance. However, for older model vehicles getting a comprehensive coverage may not be worth it because the premiums will cost a lot more.
It’s also essential to choose an insurance company that can offer you with the best deal on your auto insurance policy. So, I would suggest that you only transact with a reputable insurance company. That’s why it is always a good decision to check the track record of the company you’re dealing with. They need to be at least 10 years in this type business and a direct insurer in your area. You may also need to check their value added services which include a courtesy car that you can use in case your main car is involved in an accident, 24 hour claim assistance and motor rescue.
If you’re looking for a dependable motor insurer in Northern Ireland, then you need to check out http://www.axa.ie and learn how you can benefit from their services.