There are a number of extras that you can get on a car insurance policy, and they are worth taking a close look at. While many people avoid these add-ons to save money, you could benefit tremendously by spending a little bit more. When you take the time to learn about these options, you will be able to get exactly what you need. Some people can benefit more than others from these extras, but you should at least know what your options are.

Legal Cover

Legal cover is one of the main add-on options offered by most insurance companies. This type of cover will provide you with financial assistance with legal expenses if you get into an accident that you did not cause. If the other person takes you to court and you don’t have legal cover, you could end up spending thousands of pounds.

You will find that most insurance providers charge anywhere from £20 to £30 each year for legal cover, and it’s well worth the additional expense. It will provide you with additional cover that could end up saving you a ton of money at some point. Most people can afford to spend the extra money, but it’s an option that not many take advantage of.

Breakdown Cover

Many people throughout the UK have breakdown cover on their insurance policies because it is so useful. While you will most likely have to pay extra, it is definitely worth it. Those who have this cover can call for help if they are stuck on the side of the road with a disabled vehicle. There are different levels of breakdown cover, and it’s important to know your options.

Basic breakdown cover will provide you with a number of services that include flat tyre change and a tow to the nearest garage if necessary. You can also opt for Onward Journey, which will provide you with an overnight stay at a nearby hotel and/or car hire until your vehicle is fixed. This can drastically reduce the inconvenience of having a car that is in the garage. There is also European cover, which will provide you with roadside assistance services anywhere in Europe. If you travel out of the country a lot, it’s a good idea to consider this.

Personal Accident Cover

If you get into an accident that results in your injury or death, this type of cover can help. Keep in mind that some providers will only cover death, permanent loss of limbs, and loss of sight. While you may think that the chances of this happening are low, it’s still good to have the peace of mind that this cover brings. Other policies will cover things like fractures and burns that result from the accident. This is a standard part of most insurance policies, but you can get additional cover for up to £100,000 if you want.

Protected No Claims

You also have the option of paying more to get protect your no claims bonus. When you have this level of cover, you won’t have to worry about losing your discount if you need to file a claim. Most providers will not allow you to take advantage of this until you have a minimum of three years accumulated.

Windscreen Cover

Even minor damage to your car’s windscreen can be very costly, which is all the more reason to think about opting for this additional level of cover. It will compensate you financially for any cracks or chips to your windscreen. It does not cover full replacements, but it’s still an option that you should think about taking advantage of.

Replacement Key Cover

If you lose your keys or have them stolen, paying to get new ones can be quite expensive. This cover will provide you with up to £200 for new ones if the need arises. Some policies will even pay for car hire expenses until you get your replacement keys.

Should I get Additional Car Insurance Cover?

It is important that you spend some time looking at all of the different car insurance add-ons that exist so you can make the right decision. The fact is that most people can benefit from getting at least one or two of these add-ons with their policy. Paying a little bit extra each month for your policy could help you save hundreds or even thousands of pounds throughout the years.

You never know what is going to happen, so it’s best to protect yourself with the appropriate cover. Make sure that you understand the terms and limits of these add-ons before choosing one in particular. There are usually certain stipulations that come with additional cover that you need to know about. Don’t make the mistake of passing on important cover just to save a few pounds.

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