car insurance

5 Things To Keep In Mind Before Taking A Car Insurance

When buying a car, there are some necessary things which one must make sure about having it in hand. These include the registration certificate, the driving license and most importantly the car insurance. Most people do not give it a thought while getting car insurance done. They treat it as a formality but this should not be the case with anyone. Often low premium costs are the deciding factor while picking a car insurance product. This could easily mean not having adequate or enough protection cover during an accident or damage. It would be useful and wise to go online and compare the insurance products available on several parameters including the cost. Not just that, you should be aware of all the facts before finalizing the insurance product.

Listing down the most important 5 things to be known when finalizing car insurance:

Low Premium on High Deductibles

Car insurance companies decide prices on the estimate of the money they think they will have to pay you in case of any eventuality. However, if you agree to raise your deductibles, hence decreasing the amount that the insurance company has to give in your claim, they usually offer a low premium. Avoid opting for this unless you can afford to pay the deductibles.

Policy Lapse/Expire

Insurance companies don’t like car owners who do not have a motor insurance policy. They are considered an irresponsible and risky investment. So they fall back on the security of high premiums. Allowing your car insurance policy to lapse may cost you more than you think. The new policy will not come cheap for sure.

Zero Depreciation

A zero depreciation cover is your safest bet. This type of cover offers full settlement without factoring in the depreciation. So in case, your car meets with an accident, a zero depreciation cover ensures you do not have to pay anything from your pocket for the damage caused vis-à-vis a normal car insurance that factors in depreciation and makes a considerably reduced settlement.

No Claim Bonus Transfer

Upgraded your car? You can transfer your accumulated NCB to your new car. Moved to a new insurer? Again, you can transfer your current No claim Bonus to the car insurance policy under the new firm. As simple as that!

Engine insurance

Did you know that you can opt for an add-on that would cover your engine as well to save you the cost of repairs that are not caused by an accident? Engine repairs can get pretty expensive, especially if the damage is caused by flooding, and this add-on will save you a lot of trouble, and of course, money!

There are a lot many things more too which should be kept in mind but these are one of the most important. In case you feel that you should have more knowledge before purchasing insurance, visit us at Capital Hyundai and our team of experts would be able to assist you better.

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Contact Capital Hyundai today!

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