Additional Benefits to Supplement Your Car Insurance Policy

When you go looking to get your car insured, you will most possibly have to choose one of the three types of insurance that are available in the market, be it fully comprehensive, third-party fire and theft, or just third-party. As it is a legal requirement in the United Kingdom to pay insurance, you will have to take one of the insurances policies out, to make sure that you are covered. What is not known so widely, is that insurance companies can and will offer additional benefits to supplement your insurance.
These for obvious reasons cost extra, and whilst there is that sort of certain peace of mind to having them, it is wise to really ascertain them and break them down to their components before putting your hand in your pocket and paying for them.

• Perhaps one of the most popular additional extra that will be offered to you is breakdown recovery and assistance, although in some cases in a premium insurance this might be included, but for the main it is an extra. Maybe before taking out this additional cost you will want to consider do you really need it? For example if your car is brand new, or only couple of years old, you might think that having a breakdown extra on your policy is not worth it, however, if your car is older, and you are not 100% sure that it might hold out, you maybe would like to have some sort of roadside assistance and recovery insurance will give you that benefit. Also it is an extra that a lot of women take out, as often the fear of breaking down anywhere on the roads today, can be a hazard, and especially if you are alone.

• The other thing you might like to consider is if you will require a courtesy car, this is a vehicle that is provided to you whilst your car is being repaired, or otherwise not available to you. This can be a nice touch as an extra, and be a very welcome help, should you not have your car, but bear in mind, it is not in all situations that a courtesy car will be given to you, and often or not the insurance company will make pay to have the car insured whilst you use it.

• We all know how expensive legal bills can be and an extra on your car insurance can be having legal protection. For example if you are involved in any accident, and for whatever reason it is not your fault, this legal protection will give you the opportunity to regain any losses that you incurred from the person who was responsible for the accident. The amount of money that is usually offered to you is up to 100,000 pounds for legal cover.

Take care, read the small print, this cover will not be offered to you, if your car insurance company think the case that you want to take to court cannot be won, so bear this in mind when taking this extra on your insurance.