Legal Assistance
Many times people neglect legal assistance and generally finds
Car Insurance enough to protect them and their car from damages and accidents. However legal assistance proves to be all useful if you want to recover uninsured losses from a third party’s insurance company in case you are involved in a non-fault accident. Consulting the legal assistance provider will help you in arranging a good lawyer or attorney who will help you by claiming for compensation for the injuries incurred during the accident. The lawyer will assist in recovery of the excess on your policy, medical expenses and loss of income or earnings. There are people who only go for the insured for third party fire and theft (TPFT) policy without any legal assistance. However in that case if other party hit their car then their insurance company will not be responsible for the repairs. So it is advisable to have uninsured loss recovery insurance to claim for uninsured losses.
You may also need legal assistance in cases where you know that the other party is being guilty of the accident but they are not acknowledging it. Hence proper legal assistance is required to bring negotiations to one single and right conclusion. There are many firms in the market which provides legal assistance required in
Car Insurance cases. However one must be acquainted with what all is included.
Breakdown Cover
You may find yourself in difficulty and helpless situation when you are unable to start your car at home or when you are struck with breakdown problem on your way. In such situations breakdown cover proves very useful as many companies provide help at such circumstances. The foremost help is Recover or Relay in which particular set of members will be taken to their destination if the car has stopped somewhere and cannot be fixed locally. The second is Home start service in which breakdown assistance will be provided at your home and nearby it. The other assistance will be provided in the form of a replacement hire car or overnight accommodation or a reasonable onward travel expense if your car gets breakdown quite a miles away from your home and where the repair is not at all possible. The last one is the European cover in which you are being covered while driving in Europe. This coverage is for up to 31 days per trip and 90 days per year.
Protected No Claims Discount
Apart from this benefit some companies offer an opportunity to protect your no claims bonus which requires a little additional amount. The availing of no claims bonus
Protection Policy will keep the number of years NCB same whether you are deemed to be at fault for the claim. However companies generally don’t provide you with unlimited amount of fault claims. There may be some companies which allow two fault claims in one year and others will allow the same in three years before the removal of protection from your no claims bonus.
Green Card
Green card plays an important role for availing
Car Insurance claims if you are outside your native country. It is basically a documented proof which confirms the minimum legal requirements necessary for third party liability insurance in any country where the green card is applicable and valid. Currently the Green card is valid in 40 countries with an exception of Iraq. In fact it is recognized in all countries of Europe excluding Russia.
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