Choose the car insurance that’s best for you

Choosing car insurance is like putting together a coverage puzzle, choosing the level of partnership with the insurer and preparing the ground for driving with complete peace of mind. If you are looking to ensure you have the right level of protection and the best car insurance possible, these are the questions you should consider and talk to your broker about.

1. What is truly mandatory?

In Portugal, legislation requires that all motor vehicles and their trailers must have a civil liability insurance. It is this insurance that guarantees the payment of compensation for physical and material damage caused to third parties and transported persons, with the exception of the driver of the vehicle.

2. How can I protect myself more?

According to data from the Government Portal, over 130 thousand road accidents occurred in 2017, a concern for motorists and families.

Traffic accidents should not be the only concern. In addition to being able to increase the amount of civil liability protection, it is possible to create a best car insurance with superior prevention. Find out which coverages are most common and which are most suitable for your insurance.

It guarantees compensation for damage caused to the windows of your car, whether caused by an accident or not.

Fire, lightning and explosion

It is an optional coverage, but perhaps it will be so in the memory of many, after the fire that burned hundreds of cars at the Andanças Festival. If you want to guarantee yourself more rest and protection, this could be a coverage that can be included in your insurance with a slight increase in the price paid (premium).

Coverage that guarantees damage to the car or its loss in the event of theft or robbery or attempted theft or robbery.

Impact, collision and rollover

It covers damage to your car, even if the driver is responsible for the accident, resulting from road collisions or when he is immobilized.

Natural phenomena and vandalism

These are two types of coverage which are associated with greater security and which depend on external factors. In the case of nature, it covers the consequences of torrential rains, floods and strong winds. In the event of vandalism, it guarantees compensation for damage to the vehicle caused by other people, for example in situations of strike or demonstrations.

Protection of occupants and driver

It guarantees compensation for personal damage to the occupants of the insured vehicle, regardless of responsibility for the accident. In some insurance companies pets may or may not be included.

Special driver protection

Did you know that, in the event of an accident that is your fault, the National Health Service does not cover your hospital expenses. This is an optional coverage that protects the driver and compensates him in the event of death, disability and treatment costs. Few insurance companies include treatment fees for pets. If you have a dog or cat, make sure it is protected

Your broker can help you find your comfort level.

3. Which care is right for me?

Even the price of your insurance and your comfort are decided in times of bad luck. In the event of an accident, which service helps you the most and meets your needs? There are different levels of assistance, replacement vehicles and many conditions that can make you choose one coverage or another. For example, check whether the assistance covers punctured tires or whether a replacement vehicle is included for the risks that worry you most. Also clarify whether your insurance is responsible for delays in care, compensating you whenever this happens and under what circumstances.

4. How do I want to split the insurance costs?

Another determining factor in finding the file best car insurance it is related to franchising. That is, the amount you will be responsible for in the event of an accident and which can be in amount or percentage. The deductible, in fact, allows you to reduce the insurance premium, but increases the costs of repairing the damage for which you are responsible or the amount of compensation to be paid in the event of an accident.

5. Are there any further clues about the best car insurance for me?

To find out which insurance will be most beneficial for your protection, take into account the price of mandatory and optional coverages, risks covered and not covered, the deductible and its impact on the price, penalties and premium bonuses, the countries where the insurance is valid to help you make the decision.

Do some simulations, talk to your mediator and collect all the information because insurance must be a relationship of trust for life. On the road and off.