What car insurance options can be useful in winter?
Winter surprised the road workers - this slogan can be heard every year. Vehicle owners should also be prepared for worsening weather conditions. However, they should take care not only about the appropriate equipment. During this period, additional insurance options are also useful, increasing the feeling of security and comfort.
Third party liability insurance is mandatory for every owner of a car registered in Poland. This is also the absolute minimum, especially during the winter months. Then it is relatively easier to damage someone else's property. Insurance companies offer various third party liability insurance packages, sometimesczThey are from Autocasco (AC). Sometimes they add a help policy for free. Rises in winter czThe frequency of use of the services offered therein. CzMost insurers record about 30% more notifications from this insurance. However, this does not affect the discounts for driving without claims.
safer abroad
Auto assistance comes in a variety of forms. The version added by the insurance company covers the bulk of the coverage. CzOften not enough in winter. Expansion or inclusion of subsequent items is associated with higher costs. For czFor vehicle owners, the best solution is the possibility of concluding a short-term contract (for example, for 15 days). Although in this case the price will be lower than for standard care (for 12 months), sometimes the savings are obvious.
What to look for when choosing? Sometimes the scope of protection extends only to the territory of Poland, which is a barrier for people traveling abroad in winter. Many variants are protected not only in Poland, but also in other European countries (Russia and Turkey in Europe). czparts of their territories), as well as Morocco, Tunisia and Israel. It is worth remembering that in some countries it is necessary to have a Green Card certificate. It is a confirmation of the acquisition of compulsory civil liability insurance. It can be obtained free of charge from the insurance company. Those who forget about the formalities should be ready to buy expensive border insurance when entering a particular country.
Help under the house
There are assistance options that guarantee assistance only in the event of an accident. Thus, the contract does not guarantee the arrival of a tow truck with a mechanic, for example, when the car goes on strike. Therefore, it is safer to add a breakdown support clause. Winter contributes not only to collisions caused by slippery surfaces or inappropriate tires. This is also a period characterized by freezing of fuel, oil, locks, as well as damage to tires.
However, you should pay attention to the general conditions of insurance (GTC), they are also available on websites, for example. https://www.lu.pl/komunikacyjne/. Sometimes the chosen insurance option provides assistance at a distance of at least X kilometers from the place of residence. Only that the car cannot be started outside the house, for example, after a very frosty night.
Failure has many names
The car is parked for various reasons. As well as those that are not considered a failure. Its definition applies to all events during which the insured person needs assistance. Insurers treat fuel problems (wrong, shortage or freezing) as other events. The same applies to locking the key inside the insured vehicle to start it, losing or breaking the key to unlock the vehicle or start the engine, lack of air in the tire(s) and battery drain. And yet for the latter, low temperatures are a severe test. Protection from other events means a higher premium. The number of calls for assistance during the term of the policy may be limited.
Convenient replacement
It is worth analyzing the restrictions on towing. The differences are especially noticeable when traveling abroad. The insurer does not always offer a replacement car after an accident, breakdown or theft. If the insured person can count on convenience, he should check how long he can use it. It is also worth finding out whether it is possible to both replace and pick up a replacement car by the insurer. It happens that only one of these services is provided as part of a paid premium.
Most policies are available regardless of the age of your vehicle. However, there may be limitations with the broadest options. The offers are addressed, for example, to owners of cars not older than 10 years.
