You have many options when it comes to insuring your Vauxhall. The insurer you choose may depend on where you live, who offers the lowest premium, and the company you already enlist for other insurance policies. While the right company and premium for you is a very personal decision, there are a few things every Vauxhall consumer should know. If you have too limited an insurance policy, you may not get financial assistance when you need it the most, such as after a major collision or when you are the victim of vehicle theft.
Some insurance policies will guarantee all repairs for five years. If a car part that you have replaced as a part of your insurance claim fails within five years, you can get it replaced again at no or limited cost to you. This part of an insurance policy helps both you and your insurer protect your investment. A car with the proper repairs is less likely to get into accidents or fail to work, and guaranteed repairs give you peace of mind when you have work done. Bear in mind that repairs you pay for out of pocket and not as part of a claim may not be protected under this scheme.
Complete Replacement Coverage
Many accidents result in minor repairs, and if your car is stolen it may be recovered. However, if you are in a major accident your car may be deemed beyond repair. Likewise, if the policy can't find your car within about a month, they will usually recommend that you file a loss claim with your insurance company. Complete replacement coverage is essential because it helps you buy a new car in these circumstances. You may not recover enough money to fully cover the expense of buying a new car, but you will get enough money to cover the current market value of your Vauxhall. Without complete replacement coverage, you can pay a lot more out of pocket when your vehicle can't be fixed.
Comprehensive Drivers Coverage
Comprehensive insurance has many benefits, not the least of which is that it covers all drivers to whom you give permission to drive your Vauxhall. If you don't have comprehensive coverage over all drivers, only named drivers might be covered in the event of an accident. For instance, you may loan your car to your teenage son; if he gets into an accident but is not named on the vehicle, your insurer could deny the claim if you don't have him named to the car. With a comprehensive policy, you don't need to worry about naming specific additional drivers to your insurance policy.
More comprehensive insurance plans also offer legal cover up to a set amount. For instance, many policies will allow for a maximum of £50,000 in legal coverage. This protects you when you are sued after an accident. This is usually only relevant when you caused the accident, but even the safest of drivers can be liable for an accident at least once in his life. Another driver may try to take legal action against you for the costs they incurred after the accident, including the cost of repairs that were not covered by insurance, car replacement costs, or any medical fees that were not paid for by NHS or a private insurer. Legal cover is essential because without it you could be on the hook for thousands of pounds in no time.
Getting car insurance for your Vauxhall is not a decision to be made lightly. The right policy will depend on how much coverage you want for your vehicle's modifications, the number of drivers who need to be covered, and whether or not you want to earn a substantial no claims bonus. However, always make sure that insurance covers some basic elements. While paying for a more comprehensive insurance cover costs more money now than choosing a limited insurance policy, it can offer more financial assistance in the long run. Consider hefty insurance an investment in the safety of your Vauxhall and the protection against major legal fees in the future.