Car Insurance Benefits Coverage Plans and Discounts Review

Auto accidents can easily deprive you of your money as the costs of paying for another person’s vehicle, his medical bills, and your own can run into thousands of cash. Having car insurance provides you with financial coverage against unforeseen risks such as freak accidents, natural disasters, riots, and theft. In many countries, it is compulsory to have auto insurance before keeping or using a vehicle on public roads.

There are numerous benefits of having car insurance. First and foremost, it gives you financial security as you don’t need to pay up for the costs that might arise due to a road accident or theft. An insurance plan for your automobile gives you peace of mind because you don’t need to look for funds to cover up for the expenses in case a traffic disaster happens. Another benefit of getting a vehicle indemnity plan is that if you bump someone else’s auto and the fault is yours, then an auto insurance policy will become your saviour.

There are different types of coverage plans that insurance companies have to offer. Some of these plans may be required by your state, whereas some are optional. Auto insurance usually covers some or all of the items like medical payments to the insured party, cost for physical damage to the insured vehicle, and costs for vehicle damage and medical bills for the third party. A vehicle can also be insured against fire damage, accident damage, or theft independently. A variety of factors such as the model of your car, value of the car, your driving record, number of miles your car driven, and the amount of money you are willing to pay will determine the type of coverage plan you are eligible for.

Direct Line is an U.K insurance company that provides extensive auto coverage at superb rates. It offers you with a wide variety of cover options that give you confidence to drive peacefully. For example, “Comprehensive” is a Direct Line’s coverage plan that pays for loss or damage to your vehicle due to fire, theft or an accident. This plan also covers for claims made by other people for damage to their property or bodily injury. “Third Party Fire and Theft” is a plan that covers you if other people claim against you for damage or injury to their property or car, and if your car is damaged by fire or is stolen. Direct Line offers another plan known as “Third Party Only” that covers liability such as claims made by third parties, against you, for damage to their property or bodily injury.

Having car insurance through Direct Line will help you obtain discounts and other forms of rewards. This will help bring down further the cost of your insurance. Various discounts offered by Direct Line include Only Driver Discount, Named Driver No Claims Discount, Multi-car Discount, Breakdown Discount, Breakdown Multi-car Discount, Multi-product Discounts, Company Car No Claims Discount, and Pass Plus Discount.

Direct Line also offers additional extras such as Guaranteed Hire Car (you will be supplied with a hire car for up to 14 days if your car is unusable), Guaranteed Hire Car Plus (Direct Line will supply a hire car for up to 21 days), and legal protection which means that if you have an accident that’s not your fault, then the company will provide you up to £100,000 of legal costs to recover losses which can’t be recovered from any insurance policy. Remember that you can avail these car insurance optional extras for a small extra premium. Last but not the least; Direct Line makes use of “Anti-Fraud Technology” to detect false and exaggerated claims. This, in turn, helps keep prices low and settles genuine claims as quickly as possible.

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