When buying insurance for the first time or simply switching insurance providers, querying what benefits are offered under your new policy is a must. Car insurance sometimes referred to as motor insurance, covers you the driver in the event you are involved in an at-fault accident. You’re also covered even if you are the third party in an accident. This coverage often extends to cover the repairs of any property damage that may have been a result of this accident and any medical expenses.
In addition to the above, BestQuote will now provide you with a brief list of some of the other benefits/services most insurance companies offer.
- Free 24HR Road Side Assistance
This by far is the most asked about service by all individuals. Whether your vehicle is insured comprehensively or just third party, every client is entitled to free roadside assist. If your car has broken down, you’ve locked yourself out, you need your tyre changed or you simply want a jump start, your roadside assist person is there for you. Please also bear in mind, this service is 24 hrs around the clock. You can call your provider if you wish to ensure that this service is covered under your policy.
In addition to the free roadside assist, towing is another service which is usually covered under your comprehensive policy. This service can vary as some insurance companies offer you 1 free tow per year, while others may have more and unfortunately some have none. If you think this service would be beneficial to you, call to ensure it is offered under your policy. It should also be noted that this service is only for comprehensively insured individuals.
- Windscreen Benefits
No one really likes having a broken windscreen, furthermore having to pay for one, therefore insurance companies have decided to add it to their list of motor benefits. Even though it may not occur often, nothing can stop something as simple as a breadfruit falling from a tree and shattering your windscreen. A stray rock from someone cutting grass can also be the cause of your windscreen becoming damaged. So as a result of this, some insurers have offered their customers unlimited windscreen coverage, whereas others have given a limit up to $3,000.00 in windscreen benefit. Which are you entitled to?
- Payment Options
Paying for your insurance upfront in one instalment or sometimes even in three instalments is not something that most people can do, especially with premiums that can start at $3,000.00 and up. This then gives a reason for persons to shop around to find the insurance company with the best payment plan who will charge little to no interest. Having a payment option beyond the standard three months is something all insurers should investigate and try implement for their client’s convenience.
- Loss of Use/ Rental Benefits
Loss of use which is covered under most, if not all insurance policies, covers you the client with a replacement vehicle or reimburses you the transportation cost while your vehicle is being repaired. In addition to the above, some insurance companies also offer you the ability to choose your own rental benefit to add to your policy. You simply pay an additional fee. It should be noted that loss of use and rental benefits are not the same thing.
- Declared/ Undeclared Drivers
Some insurance companies offer you NO coverage whatsoever for undeclared drivers, so be mindful of this going forward. On the other hand, some insurers would cover an undeclared driver in the event of an at-fault accident but there is usually an additional fee that would need to be paid along with the standard excess.
To find out what is covered under your policy, give us a call today and we’d be more than happy to assist you, 1-246-537-0140. In addition, don’t forget to submit your information to our website to get a quick quote to determine whether or not you’re receiving the lowest quote island wide – BestQuoteBB.com.