A car insurance policy is a wonderful thing that, since its creation, has been helping drivers all over the world. Having your car insured is extremely beneficial because it includes features such as cover for the costs of repairing damage to your vehicle, compensation for damage due to fire or theft and even protection for third party liability. In addition it is a legal requirement for all UK drivers to have insurance, and you can lose your licence, suffer hefty fines or even go to prison if you drive without any.
However, the benefits of a car policy do not stop at just these single things, because you have the option of choosing additional features like breakdown cover and, more importantly, driver’s legal protection. The clause of driver’s legal protection is designed for one thing and that is providing you with means to claim for compensations for uninsured damage to your vehicle.
For example, if you are ever in an accident where you are at no fault at all, then you will need to claim for compensation from the offender and his policy providers. However things do not always go smoothly, and sometimes legal action is necessary. This is why this additional feature is so important. The following are some other arguments for the case of driver’s legal protection.
1. Legal costs can really mount when the situation arises and once you have entered the legal battle, it is not really practical for you to back off. Hence, a driver’s legal protection clause can support your cause by equipping you with up to a sum of 100,000 pounds towards your legal costs. Hence, as a result of this clause, you will not have to deal with the financial implications of an incident that is not even your fault.
2. In the case of a rented vehicle, if it gets damaged while being in your possession, then you would be required to pay the excess regardless of whether it was your fault or not. However, with the driver’s legal protection clause active, you can claim for 100 percent compensation from your policy provider towards the excess charges if it is not your fault.
3. If you are unfortunate enough to get stuck in an accident, which was not your fault and you are now stranded, then getting home can become a serious problem. However, some policy providers provide the option of a courtesy car to get you home safe and sound. Furthermore, some policies even provide compensation for hiring a rental car.
A cheap car insurance policy is well and good, but a policy that is worth its money is much better. Therefore, you should understand that with respect to insuring your car, you will get what you pay for. This means that you should look towards finding a policy that gives you the most features for the least amount of investment. In order to find one that is cheap and worthwhile, you need to go through multiple providers and multiple policies and compare them in as much detail as you can.