Your valuable asset needs a good insurance and there are many attractive options available. Car insurance must be given importance as it becomes a great boon when you have to face big expenses for the repair of the car after any damage or an accident. There are mainly two types of motor vehicle insurance; Third Party and Comprehensive Cover. In third party insurance if the insured causes damage to someone or the property of someone then only that is covered, damage caused to your vehicle is not covered because of which you may pay huge bills of repairs. But in comprehensive car insurance your vehicle will get cover for damages, major or minor accidents, natural calamities and thefts as well as third party insurance.
You should take care of few things before buying car insurance.
Settlement of Claims
Before you finalize any company you must know its past records of claim settlement ratio and what things the insurance covers. You are going to pay premiums for your insurance so they must take care while you are claiming for any settlement and it should be done reasonably quicker, it should not get rejected because of some baseless points and after that you have to pay the huge bills of repairs.
You must compare the premium amount which you are going to pay with different companies and what all things are covered. There may be some hidden rules and regulations for the coverage of damage caused to your vehicle. Some companies provide some add on with some extra premium like 24×7 road assistance, towing services etc. However you always have the option to skip this extra feature if it is not in your budget. If you live in NI, you can get insurance quotes NI here.
Customer Service and Support
Whenever you are buying car insurance this is the thing which matters a lot, while selling their policy companies will run around you and they will welcome you. But the actual condition is known when you are claiming for any damage or loss to your vehicle. You must take your decision wisely, ask some of the people around about their experience with different companies and then you decide. Also they should have 24×7 customer support or contact points or contact persons whom you can reach easily when you are in need otherwise taking insurance will become useless when you are not able to take its benefit when you are in need.