All Risks of Car Insurance

When securing a car , we must know what kind of insurance we want , whether all risks or third parties.

The variable that we will determine what insurance is going to come are best years with the car. new car, the best option is to hire a full insurance (with or without excess) so that we do not have the misfortune to stay without a car, and owing money, in case of serious accident and totaled.

For the case in which the car is over 5 years, it is advisable to choose a third party insurance, because in case of serious accident and the car becomes unusable, the insurance company could refuse to pay for the repair, since it would higher than if we bought a car of the same features at the same time.

However, all risk insurance are much more advantageous than others , but really out considerably more expensive.

Insurance coverage against all risks

In case of accident, all risks insurance paid for the repair of the self-insured. They can also compensate the companions you could carry with you at the time of the accident.

Another aspect is that this insurance covers counseling and legal defense to lawsuits whatever reason.

Hiring a full insurance can be a relief for the driver, then know that you are well insured against any unforeseen is always a burden you lifted.

These insurance policies can carry a franchise associated . This means that in case of repair, you must pay a stipulated amount of money. For example, if you have a deductible of $ 300 car repair and up to 1000 euros, you will be those who pay 300 euros to the garage and the insurance will pay the remaining $ 700.

Prices of all-risk insurance

Logically, all risk insurance are higher than the third-party insurance. The most expensive are those in which the driver is novel and the car is new (well, the better the car, the more expensive insurance).

This is because the insurance company may end up spending a lot of money in case of accident where the car left in a total loss, hence the fees so high that you'll pay.

It is also true that if you're a good driver and do not pass shares to the company, year after year you can take advantage of discounts that will lower the price of insurance enough .

Another option is to opt for a comprehensive insurance with excess. This franchise may be the amount you think appropriate, but usually accompanied by a minimum of 200 euros up to 1000. It all depends on the insurance company with which you can negotiate.

So, if you want to feel protected when driving, hiring a full insurance may be the best solution for you and your companions. Above all, be cautious on the road because they are too expensive for this type of insurance, it is best never to use them.


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