Buying a new car is combined with taking out a car insurance. When taking out car insurance, you have a very wide choice. Not only do you choose between insurance policies from a large number of insurers; you also have a standard choice of all-risk car insurance, third-party insurance and third-party insurance with limited casco. What makes one car insurance a better choice than another? Which type of car insurance suits your situation best? In this article, you will read more about the factors to consider when buying car insurance.
Find the coverage that suits your situation
A new car insurance starts by looking for the type of cover that best suits your situation. Do you use the car daily, or only sporadically? Do you drive your car in big cities, or mainly on quiet roads? Do you drive your car to holiday destinations outside the Netherlands, or only in your own country? These are questions you can ask yourself to determine whether third-party insurance is sufficient for you. The value of your car also plays a part in this. A more expensive model of car you will normally want to protect better, than a car you wanted to replace anyway. In the former case, third-party insurance with limited hull or even all-risk car insurance may be the best choice.
We briefly list the differences:
- The Third-party insurance is the most basic car insurance. This insurance covers damage to others and provides assistance in case of damage. Additional cover varies by insurer.
- WA+ (limited casco) covers more damage. In addition to damage to others, consider fire and storm damage, burglary and theft, animal damage and window damage, for example.
- The name all risk says it all, all the risk will be covered. The main difference between all-risk car insurance and limited casco is that an insurer will also cover collision damage in case you are at fault in an accident. Vandalism will also be covered which is not the case with limited casco. But to be sure if this is also the case with your insurer of choice, we always refer you to the insurer for more info!
Place where you park your car every day
Something that is often forgotten: the place where you park the vehicle on a daily basis. If you park it in the shed near your own home, the chances of damage are relatively low. Do you park the car in a public car park at the end of the day? In that case, the likelihood of damage due to vandalism or rough weather, for example, quickly increases. This makes it an important factor in determining the type of cover that is most suitable for your vehicle.
Ataking out supplementary insurance alongside your basic policy
Taking out basic insurance for your car can be combined with various additional insurances. Consider, for example, passenger insurance; interesting for people who regularly travel in the car with others. Legal expenses insurance for traffic situations can also be an interesting additional insurance. This is especially true for people who drive in big cities. The likelihood of conflicts in traffic is generally higher here than on a quiet country road.
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