Undoubtedly, for any driver will be more entertaining decide which car insurance purchase you consider what is best for your new vehicle. However, one thing is linked to the other, it is that if the user does not succeed in hiring your car insurance, you can lose a lot of money if they suffer a loss.
Beyond the particularities of each, ranging from the economic capacity of each driver to the type of vehicle you purchased, there are some coverages that we consider essential for any new car and that we will detail.
1. Travel assistance
Travel assistance is coverage that incorporate the vast majority of car insurance with Third Party Basic Compulsory Liability (the only coverage forced recruitment under the Act).
If it is included in the Basic Third of most insurers it is because the fact cater to your customer when a malfunction, or any other circumstances, prevents the car can continue to run, is in the nature of any car insurance. However, this support service will be more or less completely depending on each company.
Keep in mind that Travel Assistance serves on the one hand to the vehicle and on the other, the person. In the case of the person it will deal, for example, to provide an alternative means of transportation for the customer to reach their destination after an accident / breakdown. However, some companies will provide this service from kilometer 0 (from the same address stated in the policy), but others will from kilometer 15 and other from 25. Similarly, it can happen that the travel assistance is provided from kilometer 0 in case of an accident but from the tenth kilometer in case of failure.
In the case of the vehicle, although virtually all insurance companies provide for assistance from kilometer 0, this service may be limited to tow the car and not cover common issues that would prevent the transfer of the vehicle as lack of fuel, puncture a tire, lost keys or the battery. With regard to the latter point, it may be the case that an insurance includes travel assistance from kilometer 0.5, so that would not be covered if, for example, you leave the lights on at night and when you go to start the vehicle in the morning, no battery.
Finally, in case of a breakdown or accident suffering required to leave the car in the shop for several days, it is useful to know whether the travel assistance coverage includes the replacement vehicle. Being a very expensive service for companies, almost no it includes it in its basic policy, although it is possible for a small extra cost to hire.
2. Coverage Theft
Your car is new, and therefore can be quite greedy for "burglars". Of course, the better (and more expensive) has been the car, the more likely it is that you suffer a possible theft. And we do not talk alone with the car, that too, but they can open it and take some of its accessories, such as radio equipment; or you steal the wheels; or even that you're covered against a possible theft or attempted theft, which has caused damage to the bodywork or upholstery.
The truth is that it is more common theft of a new than the old one vehicle, so include this coverage in the insurance of your new car will be a smart move, especially considering that there is a significant increase in the price end of the policy.
From there, when making comparative insurance pays special attention to the services offered by this coverage. For example, almost all companies will cover vehicle damage by theft or attempted theft. However, in the case of total loss (theft of the vehicle), and although most insurers offer value again during the first two years, it is possible that some compensation with the market value (lower) from the outset or the second year. Also, an important aspect to check is whether the service includes coverage of non-standard accessories, because often these must be detailed in the policy and coverage will increase the price of it.
3. Coverage Fire
In this case, unlike theft, being a new car does not incur an increased risk of loss. However, recruitment is as convenient as to recover the money if they suffer the loss is much more important than the slight price increase involved include coverage in the policy.
This means that, in most cases, being a new vehicle, the insurer will indemnify worth again in case of partial or total damage. Not having this coverage contracted, if you have the misfortune of your car is affected by a fire without a third party to take the blame, your insurer is not liable and must bear the costs of repair for yourself.
Again, you should keep in mind that even if you hired coverage, many companies will not cover the accessories are not standard which have not been specifically declared when the insurance.
4. Coverage Lunas
Next to theft and fire, Lunas is coverage that complements the RC and Travel Assistance in Expanded Third Party insurance. Again, its value / price makes it one of the essential coverages for a new vehicle, since their cost is very low and, instead, allow the insurer pays compensation for damage caused to the windshield, side windows and rear window .
Also, this coverage includes labor workshop and in almost all cases, damage sunroof if it is a standard feature of the car.
5. Own Damage
You know own damage coverage stands for comprehensive insurance, which in turn is usually antonym of cheap car insurance. Based on this premise, in the case of a new car, the cheap can be expensive.
Indeed, unlike in the case of Lunas, Fire and Theft, including own damage in the policy itself it is a significant increase in the price of it. Also, keep in mind that this coverage faces vehicle damage not attributable to other coverage, so if you damage your car related to fire, theft or breakage of glass, they would be covered even without having a comprehensive insurance. So why hire Own damage?
Auque you consider yourself a good driver, you can eventually suffer an accident in which you're guilty and only this coverage would face repair costs. Moreover, in case of total loss, being a new vehicle, virtually all insurers will indemnify worth again the first year and many of them also in the second.
On the other hand, if you want to save money on comprehensive insurance, you can include a franchise, which will reduce the price of the policy but will force you to face some of the repair. Of course, if you do, remember that many insurers divide the vehicle into five parts: front, rear, left, right and roof. Make sure your franchise of 150 euros (or 300, or 400) forces you to pay 150 euros in total, not 150 euros per share in the event that the collision may have damaged several sides of your vehicle.
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