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Car insurance – what to pay attention to?
Once a year there comes a time when you need to buy car insurance again. Do you choose the same policy every time? Or maybe you are looking for a new package that will have a low price and a wide scope of validity? Find out what to consider when choosing car insurance.
- Check the scope of your policy
- Consider the policy coverage/price ratio
- The cost of third party liability insurance
- Third party liability insurance coverage
- Focus on car insurance liability exclusions
- Choose the policies that suit your needs
- Rethink your car insurance package
Check the scope of your policy
As far as the case car liability insurance Each company offers a product with the same scope of validity, but Assistance and AC packages differ significantly from each other.
Before purchasing the item car insurance policy read the general terms and conditions carefully. There you will find the terms and conditions of car insurance, liability exclusions and the guaranteed sum (the amount up to which the insurer will cover the costs of repairs).
Remember! In Poland all drivers must purchase third party liability insurance, which is mandatory and works in exactly the same way regardless of the insurer. There are also additional insurances - AC, Assistance, windshield and tire insurance, and personal accident insurance. Their scope varies depending on the insurance company and the selected protection version.
Consider the policy coverage/price ratio
Car insurance is available at various prices. In the case of mandatory policies, cheap does not mean good. In this case, the price goes hand in hand with the scope of coverage - the less you pay, the less protection you can count on.
Before you buy a policy, check the scope of insurance coverage. Which car insurance should you choose? Compare several offers available on the market and see if slightly more expensive insurance will be much better.
The cost of third party liability insurance
IHow much does third party liability car insurance cost? It depends. The exact cost is calculated based on information about you and your car. To find out, you usually need to fill out an electronic form or contact a representative of the insurance company.
What does the price of third party liability insurance depend on? There are many such factors. The most important ones are the type, brand, age of the vehicle, driver's age, and annual mileage.
How much does third party liability insurance cost? In the case of cars with large engine capacity driven by young drivers, insurance may amount to several thousand zlotys per year. People with long driving experience and earned discounts pay much less - usually from several hundred to PLN 2000.
Third party liability insurance coverage
In the case of third party liability insurance, the scope of validity does not matter – it is the same everywhere – in accordance with the Act of May 22, 2003 on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau. Therefore, it is worth focusing mainly on price.
Also read: First car – which one to choose? What do you need to know?
Focus on your auto insurance policy's liability exclusions
The General Terms and Conditions also include exclusions from liability. These are events in which the insurer will not pay compensation. Most often third party liability insurance exclusions are related to irresponsible behavior of the car owner or deliberate action. The most popular exclusions from insurer's liability include:
- driving under the influence of alcohol and drugs – accidents and damage caused in such a condition,
- damage resulting from improper use of the vehicle,
- lack of a valid technical inspection,
- damage that occurred when the car was driven by a person who was not authorized to drive the vehicle.
Some insurers also refuse to pay compensation when the damage was caused by force majeure - e.g. earthquake, flood, fire or riot.
Choose the policies that suit your needs
Except compulsory third party liability insurance drivers can choose from several additional policies. This:
- AC (auto casco) – voluntary vehicle insurance against motor damage, theft, vandalism or random events,
- Personal accident insurance (accident insurance) – provides compensation for damage to the health of the driver or passengers as a result of an accident,
- Support – provides assistance in the event of a breakdown or accident, e.g. towing, replacement car,
- glass and tire insurance – allows you to cover the costs of repairs of these elements without using the guaranteed AC sum.
Rethink your car insurance package
Some insurers offer all these products, i.e. AC, personal accident insurance, assistance, glass and tire insurance, in the package. This allows you to reduce the cost of comprehensive protection. It is worth choosing a set that suits the way you use the car. How to choose car insurance? If you often travel on the road, remember about Assistance. When you park outdoors, additional window insurance will be a good idea.
We hope our guide answers all your questions about car insurance. Before choosing, it is worth considering your needs and reading the conditions and exclusions of the policy. This will help you choose the best car insurance!
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