When we have a car in property, we must know that this also has some associated expenses. Among them we can cite the fuel that we are going to specify to move, as well as the maintenance or repairs that, logically, before or after we will have to do. But you also have to count the car insurance That, as the OCU warns, there are coverage that can make us lose money unnecessarily. For example; Add a guarantee that our car will never use for the particularities it presents.
Being protected is important, especially if you just bought a new car and do not want a mistake to ruin the body of it, for example. As indicated from the organization of consumers and users, the most basic insurance includes mandatory guarantees by law, such as civil liability, but the most complete policies offer very particular additional guarantees … although sometimes they are entirely superfluous.
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Beware of very particular additional guarantees
Of course to have a Like car insurance policy is important. In fact, it is mandatory and incurring is sanctioned, since it is a very serious infraction collected in the Royal Legislative Decree 8/2004. Thus, if the authorities stop us on the road, we could end a penalty of between 601 and 3,005 euros. Even the DGT uses automated means to detect vehicles that circulate without mandatory insurance.
Anyway, it is worth mentioning, as the OCU does, that there are insurance companies that choose to add coverage that, on a good part of the occasions, do not correspond to the characteristics that our car can have.
What not only makes that insurance in any way, but we would also be complementing our vehicle with a service that will never use.
Compare the cost of insurance prices between companies
OCU recommends comparing the cost of insurance price among several companies because differences can exceed 500 euros per year. According to the organization of consumers and users, based on the data of the CPI, automobile insurance accumulate an interannual increase of 10%, or what is the same; We pay, on average, 10% more than a year ago, something “surprising and difficult to justify”, in the words of the institution.
In this way, and beyond logical coverage against extraordinary risks, such as material and personal damage caused by floods, earthquakes, storms, there are others that should not always be hired, except for very exceptional cases.
Fines management or their own damage coverage should not always be hired
One of them is that of fines management. And not for another reason that because there are other ways to process it. For example, compare the prices of the insurer with those of specialized companies.
The same goes for accident insurance, either of the occupants or the driver and the replacement vehicle. For this there are workshops that offer this service without extra cost and if you hire it with the insurer is limited to availability, so you may need it and do not have it.
They can also include what is known as its own damage coverage. According to the OCU, it does not come out “in most of the time.” Here they explain that it is only worth it if the car is new or semi -new and especially when we have not finished paying the quotas established in the brand financing program.
Compensation for health expenses is extremely low
In addition to these suggestions by the OCU, it is worth mentioning that there are aspects such as compensation for the health expenses that the car insurance includes is so low that it does not cover all the assistance, something that is very common in motorcycle policies. Travel assistance is also unnecessary coverage if there is already a contract with companies such as Race, which attends the driver on the road in case of accident or accident. It is absurd to pay this extra, which can be about 60 euros a year.
Nor should the legal defense or compensation for loss of points go to the car insurance. Not being the main activity of insurers, “the coverage are scarce, they have many small limitations and print,” they also point out from Dvueltaleading company in defense of drivers’ rights.
Now; paying less in exchange for giving up certain coverage is not a good idea either. “If the car is already a few years old, the most interesting thing is to hire insurance to third parties, if possible, expanded, so that it also covers the damage on Monday, the fire, the robbery and, ideally, the collision with animals,” recommends the organization of consumers.
Except for some exceptions, such as Mutua Madrid, which admits up to three annual parts so as not to raise insurance, some insurers maintain the policy of raising the premium from the first part with guilt. Now the companies are more restrictive and, in fact, the drivers are aware that the concept of ‘I give a part for them to paint the car’ has ended.