In addition to the compulsory insurance established by law to be able to circulate, companies have evolved significantly to include in their product catalog other policies that adapt perfectly to each type of driver. Some only move by car in a timely manner and for others is a means of transport without which they could not live. Similarly, certain people prefer to invest in second-hand models and do not worry about parking on the street, while others often choose to buy a vehicle with the maximum performance that they guard with suspicion in a garage. For this reason, each driver can now go with his car insurance quote and hire his custom car insurance company.
Each insurer offers certain policies so that the client is the one who chooses the guarantees he needs. In this way it is possible to choose the coverages that each driver believes are essential for your vehicle, adjusting the price and responding to both personal needs and those of the car. With this type of insurance you can save on the premium without giving up security.
Different types of custom car insurance
Although each company establishes its own products, in general, several bespoke car insurance can be highlighted. Among them are the expanded third party policy and all-risk car insurance , both franchised and without it.
By choosing an extended third party insurance it is possible to benefit from a civil liability with a higher capital, as well as legal defense and protection of damages, without forgetting the assistance in trip from kilometer zero. In the event that the client chooses the whole risk, he has the possibility of driving without any concern. In this type of policy, with or without excess, the vehicle’s own damage and vandalism, the protection of fire damage, compensation for immobilization or assistance and legal advice to the motorist, among other coverages are contemplated.
How to choose a car insurance to cover any risk?
To obtain the best protection with a customized car insurance, it is important to analyze the condition of the car and the driving needs. With this information it is convenient to compare the coverages and prices of each insurer to choose exactly the product that is sought. However, it is advisable not to get carried away only by the cost, since the protection at the wheel must meet a series of minimum guarantees.
Do not forget that the support with this type of policies is not the same in all companies, so it is preferable to inform in advance about everything that includes insurance and its restrictions. In addition, after signing the contract of the policy, it is necessary to read the general and particular conditions so as not to take any fright in the event of any mishap with the car.
In short, drivers have the opportunity today to create or adapt the insurance of their vehicle to their risk profile and other needs. To this we must add that in recent years new situations have arisen which cars must face in some cases and which must also be covered by the policies. Theft of the vehicle, breakage of the windshield and windows, defense in traffic fines, substitution vehicle, distinguished workshops and other coverages that the driver can decide whether or not to include in his insurance.