A car insurance policy is a wonderful thing that since its inception has been helping drivers all over the world. Having your car insured is very beneficial because it includes benefits such as coverage for the costs of repairing damage to your vehicle, compensation for damage due to fire or theft, and even protection for civil liability. Furthermore, it is a legal requirement that all drivers in the UK have insurance, and you can lose your license, face heavy fines or even go to prison if you drive without insurance.
However, the benefits of an auto policy are not limited to these things, as you have the option to choose additional features such as breakdown coverage and, more importantly, legal driver protection. The Driver Legal Protection Clause is designed to do one thing and that is to provide you with a means to claim compensation for uninsured damage to your vehicle.
For example, if you are ever in an accident that you are not at fault, then you will need to seek compensation from the offender and their policy providers. However, things do not always go smoothly and sometimes legal action is necessary. That’s why this additional feature is so important. The following are some other arguments for the driver’s legal protection case.
1. Legal costs can really add up when the situation arises and once you’ve entered the legal battle, it’s not really practical for you to back down. Therefore, a driver’s legal protection clause can support their cause by providing up to £100,000 for their legal costs. Therefore, as a result of this clause, you will not have to deal with the financial implications of an incident that is not even your fault.
2. In the case of a rental vehicle, if it is damaged while in your possession, then you will be required to pay the excess regardless of whether it was your fault or not. However, with the driver’s legal protection clause active, you can claim 100 percent compensation from your policy provider for excess charges if it’s not your fault.
3. If you are unlucky enough to get caught up in an accident, which was not your fault and you are now stranded, then getting home can become a serious problem. However, some policy providers provide the option of a courtesy car to get you home safely. Additionally, some policies even offer compensation for renting a rental car.
A cheap car insurance policy is all very well, but a policy that is worth your money is much better. Therefore, you must understand that when it comes to your car insurance, you will get what you paid for. This means you should look for a policy that gives you the most features for the least amount of investment. To find one that is cheap and worthwhile, you need to look at multiple providers and multiple policies and compare them in as much detail as possible.