As The Saint showed last April, the price difference between car insurance policies has increased considerably in recent years. That is why many Dutch people switch to cheap car insurance. Consumers often opt for supplementary insurance. But is it always advisable to take out these extra options?
Additional car insurance policies reviewed
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The independent comparator The Saint explains 4 additional car insurance policies below:
- Accident passenger insurance
- Damage occupant insurance
- Legal insurance
- Bonus protector
Accident passenger insurance
You and your passengers may be injured in a collision. If permanent disability occurs as a result of this, or someone dies, the accident passenger insurance pays out a predetermined amount. For example 10,000 euros for death and a maximum of 40,000 euros for permanent disability. In addition to this insurance, many motorists also have occupant-occupancy insurance. But then the accident passenger insurance is superfluous.
Damage occupant insurance
A passenger-occupancy insurance not only pays out the actual (physical) damage, but also the material damage. With a maximum amount of 1,000,000 euros, the coverage of a personal injury insurance is also considerably higher than an occupational accident insurance. And is therefore a more comprehensive insurance policy.
The (motor vehicle) legal assistance insurance offers assistance with legal conflicts with regard to your car insurance. There are two main forms:
- Legal assistance: you are entitled to assistance in recovering damage from the counterparty. This cover is mainly concluded with WA or Limited hull.
- Traffic legal assistance: in addition to redress assistance, you also receive legal assistance in disputes about the ownership of your car. For example when purchasing your car.
Many car owners have legal assistance insurance separately, so apart from their car insurance. In that case it is wise to first look to what extent you are already insured for traffic conflicts. If you do not do this, there is a chance that you will pay twice for the same coverage.
Damage-free years is the number of years that you are insured without debt damage. Every year that you do not claim damage, you build up one damage-free year. But as soon as you claim a claim, you fall back by 3 or more years. And you, therefore, lose the (accrued) premium discount. With a no-claim protector, you retain your discount percentage in the event of a claim. In this way, you will never suddenly have to pay much more premium than you were used to.
When not? Are you already on the highest step of the bonus/malus ladder? Then no-claim insurance is probably superfluous. Many companies give you bonus protection with the maximum discount. This means that you can claim the damage without being deducted from the premium.
When is it? No-Claim insurance can be useful for young drivers. After all, they still have to build up their no-claim discount and relapse on the bonus/malus ladder can be annoying. For example, if they can no longer raise the premium as a result. Insured persons who have been driving for a long time without damage but who do not yet have bonus protection on the bonus/malus ladder can also benefit from no-claim insurance.
The disadvantage of no-claim protector There is one disadvantage to the no-claim protector. If you switch to a new car insurance policy, only the actual number of claim-free years counts. That is the number that you have built up after you last claimed damage.