Additional Cover Options That a Good Car Insurance Policy Should Have

The majority of the public in the UK understands the importance of car insurance policies in their lives. They understand that a car policy protects them from untoward incidents related to their vehicles which, otherwise, would mean a certain financial emergency. They are also aware of how a car policy does this for them by providing cover for the cost of repairing any damage on the car, for financial loss resulting from fire or theft and for claims made by another person for personal injury or damage to their property.

Like the majority of the public, despite knowing all this you might not be aware of additional cover options that a good car policy provides. These additional features are provided to make your life simpler and give you heightened levels of peace and safety.

A few of the features that are usually provided include the following:

1. Windscreen Cover:

The windscreen of a car is quite possibly the weakest point of the vehicle and hence can suffer damage even if other parts of the car are unharmed. One example of the windscreen getting damaged while the rest of the car is untouched is a stray stone or hard object hitting the car while travelling at high speed. Many policy providers provide this feature in their policies because they are so common and everyone can benefit from the cover.

2. Driver's Legal Protection:

This is a clause that can come in very handy if you are unlucky enough to be involved in an accident without any fault of your own. This clause caters to situations wherein you may not be able to make claims from your insurance provider for some damages. In such a scenario, this clause would provide you with a sum of up to 100,000 pounds that you can use for legal procedures for recovering uninsured losses. Needless to say, this feature is extremely useful in situations where some kind of damage falls outside the insurance purview.

3. Breakdown Cover:

Every driver has, at some point in his life, faced the problem of a broken down car in some remote location. This kind of a problem can really make you pull out your hair. Resultantly, most policy providers have included the breakdown cover clause which will allow you to receive timely assistance when required.

4. No Claims Discount:

This is a concept that was especially created for drivers who are safe on the road. This additional feature would turn your normal car policy into a cheap car insurance policy as it can go up to a whopping 65 percent. Therefore, by being safe, you not only protect other people but also your pockets.

As is more than apparent, the benefits provided by these additional features of car policies are extremely beneficial for people who spend a lot of time on the road. Even though these features are limited in high end policies, if you search enough you may even be able to find these additional features with cheap car insurance policies.

New Driver Car Insurance - Can You Get a Discount?

As a new driver you need to look for car insurance that is affordable and that will fully cover you, lack of coverage is a risk that you should not take because your car and your life are at risk when you get in to an accident and you need enough financial support to help you out.

Unfortunately new drivers car insurance is expensive, this is because teenagers which are usually new drivers, according to car accident statistics cause most of the accidents, therefore for auto insurance companies they are a high risk.

So you need to look for alternative ways to reduce your rates, here are some things that you can do:

- buy a car that is not expensive and that is not a sports car
- take a driving course certificate, which helps you to reduce your rates
- have good grades at school, most companies will give you a discount
- install safety devices on your car
- keep your car mileage low

For example if you drive less than 10,000 miles a year you will get a better rate than if you drive 20,000 miles a year. The more time you drive the higher risk you have of getting in to an accident, try to use your car just when is very necessary.

Avoid getting any claims and tickets, if you drive safely and keep a clean driving record you will be able to reduce your rates a lot in the next years.

As a new driver you have a lot of responsibility and you need to show your auto insurance company that you can drive fine. After a year of a clean driving record you may ask for a reduction in your rates or just shop around to see if another company give you a better rate.
Now all you need to do is shop around compare quotes and choose the company that you like, choose one that has good customer support and that is reliable.