Breakdown insurance
Do you own a car and does it break down during winter months.Normally car owners do regular check up and servicing of their cars, but winter months are different cars are most likely to beak down during these times when the car owner is away from home on work or traveling.Road Rescue Policy or Breakdown Insurance provided by many Insurance companies helps car owners during these times.
The cover includes losses due to accident, which may be loss of possessions inside the car, travel expenses incurred because the car was under repair and even medical charges are paid for injuries.
There are different variety of policies available, some important policies are listed below:
Road Rescue: This insurance is helpful during traveling.Your car will be taken to the nearest garage approved by the Insurance company for repairs.Sometimes the Insurance company also helps to refix the car on the roadside by providing 60 minutes of free labour.This is applicable in case of electrical or mechanical faults.
Roadside Rescue and Home Rescue: Insurance company helps in rescue inside as well as outside the house. If your car breakdowns inside your garage or on the roadside your car will be towed to the nearest approved garage.
Roadside Rescue and Recovery Plus: This Insurance policy provides both roadside rescue and home rescue. They also provide alternative transport like hire car to continue the journey or to go back to your home or office.In case the car owner needs to return home or continue to the journey alternative cost effective transport is provided.Hotel Accommodations are also provided if the breakdown area is far away from the car owners home.
European Rescue: This Insurance is provided for car owners who are taking their car to Europe.In case of theft the Insurance company pays for the cost of returning home.If the car breakdowns the cover also provides for return of the vehicle back to home.The company also provides for legal cover and payment for replacement of parts if they are not available in the country where the car owner is traveling.
Claims are first referred to a solicitor or a Âparalegal.For accidents claims can be made only if the other party is at 50% fault.Serious injuries, claims can be made through the solicitor eventhough the other party was only at minor fault.
Before taking an insurance policy read the insurance document carefully and understand the terms of the company thoroughly.It is safe to include the breakdown insurance cover along with the car policy.Large Insurance companies are the best bet as they have an efficient recover network
It is better to prevent a breakdown rather than undergoe the hassles.Always ensure your car is in running condition.Keep your car in excellent working state by attending to the minor repairs immediately, never allow a problem to take indefinite proportions.Enjoy your ride in your clean and well maintain car and keep your insurance ready for the unforeseen.
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