Where are there major differences in policy conditions?
All insurers seem to carry the same insurance policies. However, there are differences. It is therefore important to compare car insurance not only on the basis of the premium. Good policy conditions can make the difference.
Insurers offer three types of insurance as standard. Namely, WA insurance for older cars from about 10 years old. WA limited hull insurance for cars between 4 and 10 years old. And the third-party hull insurance for new cars up to 4 years old. The coverage of the various insurers is largely the same, but there may be differences in the policy conditions.
Which insurer offers the best coverage?
Unfortunately, you cannot say that one insurer is better than another. The quality of the policy conditions is in fact a personal interpretation. For example, one insurer may offer a replacement car after an accident. Another insurer has an interesting new value arrangement. Owners of a new car would rather choose the car insurance with the new value settlement. In this insurance the new value of the car is paid out in case of a heavy damage if it happens in the first three years. An owner of an older car would rather choose the car insurance with a replacement car in case of damage.
The amount of the excess is of great importance
In case of damage, it makes a big difference whether or not an excess applies. An excess of €250 may apply, while another car insurance policy has no excess. It is better to pay a slightly higher premium than a high excess in the event of a claim. When you compare car insurances on our website, we also show you how high the excess is. Be sure to take this into consideration.
Download the policy conditions if necessary
Do you have specific requirements for the conditions of the car insurance? Then download the conditions. You can do this by clicking on the green "i" that appears after the premiums in our comparisons. For example, do you think it's important what the coverage is for your expensive music system in the car? You can read about it in the policy conditions.
Do not opt for too limited a cover
As we mentioned earlier in this blog, you can choose from three different types of insurance. As a yardstick, we have indicated when you should choose which types of cover. Most cars of 4 years and older are no longer insured under WA-casualty, but it can still be wise. The conditions of an all-risk car insurance are much better than the conditions of a WA limited case car insurance. By comparing the different insurers you can often insure your car cheaply with extensive policy conditions.
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