Have you not looked at your car insurance for a while or have you bought a new car? Then it is wise to see which cover fits your car. For example, you no longer have to insure an older car. Pancks lists the options for you. Compare immediately
What coverage are there?
You can choose from three different types of coverage: WA, limited hull (WA-Plus) and full hull (all risk).
Third-party car insurance
It is mandatory for every car owner to take out liability insurance. With this insurance you are insured for the damage that you cause to others with your car. Your own damage or damage to your car is not covered. For example, do you accidentally bump into a car while parking and the other car has serious paint damage? At these moments you can rely on the liability insurance car.
You can extend your liability insurance with a limited body cover. You are also covered for damage to third parties, fire, theft, broken windows, collision, stray animals and storm (also hail and flood). Damage caused by yourself to your own car is excluded.
With this cover you are fully insured for all of the aforementioned damage (such as with a limited body) and damage to your own vehicle is also included. This includes collision / overturning, collision, getting into the water, slipping and vandalism. The fully comprehensive insurance also covers the damage to your own car, even if the damage is your own fault.
Age and current car value important
We always recommend that you take out full body insurance for cars that are less than six years old. Your car is still worth a lot, so it is wise to be insured for as much damage as possible. For people with a car between seven and twelve years old it is to consider taking a limited body cover. The premium is then generally lower and your car is no longer worth so much that you get paid the new value in total loss.
Car older than twelve years
Cars that are over 12 years old are often best taken out for liability insurance only. Even when your old car is fully insured, you only get the current value back with total loss. In most cases, this value has since fallen so far that the premium for the full comprehensive insurance does not outweigh the current value. Discover now which cover best suits your car: compare car insurance. Compare car insurance