There are many other benefits and features associated with car insurance policies as well as protection such as such as courtesy car, breakdown cover, no claims protection, windscreen and glass replacement, rewards points, legal protection, cover when driving abroad and much more. All the top car insurance companies offer additional cover options to their standard policy, some are free and some you will have to pay extra for.
Only available with comprehensive cover this is where the policyholder can get a courtesy car when theirs is unavailable due to repairs when it has been involved in an accident.
Breakdown cover assistance is an optional feature and provides road recovery service to the policyholder when they have broken down by the roadside.
For those policyholders that have a very healthy no claims bonus they can protect their status by taking out protection. This is optional and does not cost that much. It allows the policyholder to have not more than two claims in a three year period without it affecting their no claims discount. Well worth the money if you have more than five years no claims history.
With comprehensive cover only policyholders can get windscreen repair for damaged windscreens as part of their protection.
Most car insurance providers and especially big supermarket chains like Tesco, Asda, Sainsbury’s offer rewards points to their customers when they buy a car insurance policy. They get points and can spend them with the retailer on their next purchase saving them money. Other retailers do the same thing as well.
Legal Protection is an optional extra on most policies and can help recover your uninsured financial losses. Cover is provided for policyholders when they have been in an accident that was not their fault and allows them to claim back uninsured losses from the driver who was responsible for the accident. Legal protection cover is usually provide up to the value of £100,000 which includes all legal costs that would help to recover the financial loss.
Again, an optional feature to most polices but gives protection when driving in a European country for up to 90 days.
Whilst these extra features can be beneficial to the policyholder they do place an additional cost on the policy. So consider opting out with some of them to assist in keeping the premium low.
For all your motor insurance needs take a look at our car insurance comparison and find the best car insurance deal for your circumstances and vehicle.