What coverage to choose in auto insurance?
Choosing the right auto insurance is more than just comparing premiums. In the event of a claim, it makes a big difference which coverage you chose. It may have been some time since you purchased your auto insurance. As a result, the insurance you purchased then may no longer fit your car. Perhaps you have too much coverage compared to the car's daily value. The daily value is calculated based on a number of factors, such as the catalog value, mileage and age of the car.
Different types of coverage
There are three standard coverages for auto insurance:
What coverage fits my car?
Third-party insurance
Third-party insurance is mandatory for every car owner. TPL insurance is often chosen for cars 10 years old or older, but even for these cars it can sometimes be better to choose more comprehensive coverage. This insurance provides coverage only for liability damages. Thus, the insurer reimburses damages caused to others. Damage to your own car is not paid for by your own insurer.
WA limited hull insurance
The WA limited casco insurance offers broader coverage than the standard WA insurance. In addition to damage caused to others, there is also coverage for a number of damages described in the policy conditions, namely:
- Collision with stray animals
- Hail and storm damage
- Lightning damage
- Fire and explosion
- Window Break
- Theft and damage from attempted theft
The WA limited casco is often chosen for cars 6 to 10 years old. Damages claimed under the limited hull insurance are not deducted from the claim-free years. This is also the case with all-risk insurance.
All-risk insurance
For new cars up to about 6 years old, the most comprehensive coverage is often chosen, namely car insurance with all-risk coverage. With this coverage, damage to your own car due to collisions is also compensated by your own insurer. In addition, vandalism damage is also insured with all-risk coverage.
Changing your car insurance coverage
Do you want to change your car insurance coverage? You can easily arrange this yourself through the online contact form.
Additional accessories are not covered by default
All parts supplied by the factory as standard are covered. The value of these accessories is then already included in the list price and is covered. Thus, a navigation system installed at the factory, as a fixed part of the car, is covered.
Later built-in accessories such as special rims or an expensive music system are usually not covered under standard coverage. You will need to insure these accessories separately.
Insure additional accessories?
Do you want to co-insure your extra accessories or do you want to know what your current insured amount for accessories is? This can be found in the policy conditions.
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