Certainly, if you buy a new car, it is wise to sufficiently insure your new car. Damage to your car can happen quickly – sometimes without you even realizing it. And to repair scratches in the paint, dents, or worse damage, you sometimes have to dig deep into your pocket. No wonder, then, that car insurance policies come in all shapes and sizes. In this article, we will discuss what that insurance normally covers. What damage to your car will you be reimbursed for? And which type of car insurance should you choose?
Arious Types Insurances:
There are several ways to have damage to car parts covered. Depending on who caused the damage, different coverages apply.
third-party insurance
Are you the only third-party insured? The insurer pays the damage that you own your own car with other causes. The damage that you have sustained to your own car is not included in the third-party liability cover. This also applies to damage to parts of the car. Conversely, a motorist with third-party liability insurance who causes damage to you with his or her car will reimburse damage to parts of your car.
Limited Hull Cover:
If you want to be better insured, you can opt for a limited hull cover. In addition to a number of things such as damage due to fire, theft, and burglary, you will also be reimbursed for damage as a result of extreme weather conditions. And important: damage to the windows is generally also covered by this cover.
All-Risk Insurance:
The most comprehensive form of damage cover is all-risk insurance. With this type of insurance, you are insured against almost all damage that parts of your car suffer – even damage that you have caused yourself. Nevertheless, the all-risk insurance does not yet cover all damage. Although you will receive compensation, even if you cause damage to the car yourself, you are not insured against damage to the engine block or other parts of the car – such as replacing windscreen wipers or topping up coolant – if this is the result of negligence or poor maintenance. In short: damage due to poor maintenance or wear and tear is not covered by this type of insurance.
Injury Yat Components by The Car:
Depending on the insurance you choose, you will receive compensation for damage to parts of the car. With only third-party insurance, you do not have insurance for your own car; you are only covered for damage to others. Limited hull coverage does cover a number of forms of damage to vulnerable parts of your vehicle, including the windows. If you want to be sure that you will receive compensation in almost all cases, it is wise to opt for all-risk insurance
