What Does a Solid Car Insurance Policy Look Like?

Anyone who needs to buy car insurance should know what a good basic policy looks like. It is also important to consider some of the extra features that might benefit you on the road. This information will help you select a policy that will provide you with adequate cover. There is simply no sense in paying for car insurance each year or month if you don’t get what you need.

The Essentials

There are some essential things that you will want to have with a car insurance policy, including:

  • Personal belongings: If any of the personal belongings in your car ever get damaged or stolen, you want to know that you are covered. This can be very helpful in the event of a fire, accident or theft. You will be able to get compensation for any stolen or damaged electronics or other items of value. A decent policy will provide you with at least up to £200 cover for stolen or damaged items.
  • Lost or stolen keys: You should also look for a car insurance policy that will give you a at least up to £300 cover for lost or stolen keys. It can be incredibly expensive to replace your car keys and have the locks on your vehicle changed. This cover will help you save a lot of money if you ever lose your keys or have them stolen.
  • Repairs: Your insurance provider should guarantee any necessary repairs from one of their pre-approved garages.

Breakdown Cover

You also need to consider getting breakdown cover with your car insurance policy, because it can be of great help in a number of situations. If you get a flat tyre or your battery dies while driving, you could be in big trouble. Having breakdown cover means that help is just one phone call away. A mechanic will be sent out to get you back on the road as quickly as possible. If they are not able to fix the problem right away, you can get a tow to a nearby garage.

There are different types of breakdown cover that you can opt for. Onward journey is one feature that can be useful. It will provide you with a way to continue to your destination without having to spend any money. You could get a care hire or compensation for public transport. European breakdown cover is also worth considering, as it gives you access to roadside assistance all throughout the EU.

New Car Replacement

When you are trying to find the right car insurance policy to match your needs, you should consider opting for new car replacement. This feature will essentially give you a car of equal value to yours in the event of theft, fire or accident. If your car is totalled, you can get a new one without any hassle. Look for a policy that will give you a car that is worth at least 60% of your current car’s list price. Keep in mind that you have to be the first registered owner of the car to take advantage of this cover.

24 Hour Helpline

It is also crucial to choose a car insurance provider that will make it easy for you to get help with any issues you may have day or night. A 24 hour helpline will provide you with a way to get contact an agent if you experience some sort of emergency.
Foreign Use

If you often drive your car abroad, you will absolutely need to get a policy that will allow you to stay covered. Make sure that you know which countries are not included on the provider’s list so you know in advance. This can be incredibly useful if you go on long trips very often.

Accident Transport

In the event that you get into an accident, you will want to know that you can get transportation back home or somewhere else in the area. This is a feature that you can also get with breakdown cover, known as onward journey. Whether or not you decide to get breakdown cover, it is still something you should consider getting with your insurance policy.

Selecting the Right Level of Cover

When you are getting a car insurance policy, make sure that you have all the necessary features and the right level of cover. There is no point in having a policy that includes damage to personal property if you don’t get enough cover. You need to find out how much each provider is willing to give you for each individual type of cover. This will ensure that you get exactly what you need. You should also make a point of finding a reputable insurance provider that you can trust to help you when you need to make a claim.


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