subject: How inclusive is your car insurance? [print this page] How inclusive is your car insurance?
Motorists buying car insurance in Ireland may be unaware that their policies cover more than the usual events that happen on the roads. Even cheap car insurance policies can offer good cover.
Premiums are paid as they are a legal requirement, with drivers most commonly calling on insurers when they experience minor collisions or theft of the vehicle. Policies also include provision for systems to be put in place following a range of events and it may be worth checking the small print to see if there are extras that you may not be aware of, or have forgotten about. In this sense, insurance can stretch quite far and be significantly more inclusive than initially believed.
Most drivers know that the premiums they pay go towards making sure they will not have to pay damages in the event of injuries or destruction of property after a collision involving their vehicles. As well as covering you for this eventuality, your insurance may also include liability protection for those travelling in your car, or exiting or entering it. This helps to give peace of mind for all concerned and could be a useful support should legal issues arise after a collision.
In addition to giving coverage against injury to others and their property, you car insurance may also pay the legal fees connected to liability claims of this type. These benefits are often included in both Third Party Fire and Theft and Comprehensive policies as a matter of course, as it would prove too expensive for the average motorist to fund these issues out of their own pockets. There are some extras that only apply to Comprehensive polices, meaning you are free to choose them if you wish or leave them out in favour of a more affordable policy.
To receive money for some medical eventualities resulting from road incidents, you should consider taking out insurance that includes personal accident cover. This means there are funds available to help you cope with some disabilities. In addition to inclusive policies paying out for specified medical outcomes, there are occasionally expenses that are given to you and passengers to put towards clinic fees following treatment for injuries.
Moving away from medical and the legal aspects of car insurance coverage, there are other extras that may assist you in deciding which policy is the best for you. Motorists who are thinking about taking a driving holiday overseas are likely to appreciate the European cover that is sometimes included in policies. This gives you coverage to explore many countries on the continent, so if incidents do occur you have the protection you would while in Ireland.
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