Prestige car insurance is a unique and tailor made insurance product suitable for high engine performance and luxury cars. The policy offers a wide range of benefits, which include full comprehensive cover and additional extracts that are conclusively explained in this article.
Importance of Prestige car insurance
Prestige car insurance is the best comprehensive cover to take for one to enjoy a luxury driving. Its various beneficial features are as follows: Own damage cover The policy covers loss or damage to the vehicle as result of an insured peril like overturning, fire, theft and windscreen damage. Cover for third party liabilities It covers damage to third party properties, bodily injury or death as well as paying for third party’s medical expenses where the insured is to blame for the accident. Medical expenses and personal accident cover It extends to pay for the medical expenses and trauma treatment to the driver and the passengers Additional extras Prestige car insurance extends to cover for roadside assistance when the insured is stuck on the road due to a flat tyre, providing fuel on the road, mechanical breakdown, physical damage and access to a 24-hour call centre for assistance. The policy pays for towing charges involved to take the car to a safe place or to the nearest repairer as well as the overnight storage fees. Included in this insurance package is the provision of a courtesy car when the car is being repaired, emergency accommodation, installation of a tracking device and an emergency button, optional credit shortfall cover and gym membership. Excess buy-back cover It has an excess buy-back option where the insured would take to guarantee full payment of claims without the deduction of excess. Low and affordable premiums The premium charged is based on the driver’s driving experience, free claims history and mileage, thus the less one drives the lesser his premium.
Information required when taking out a Prestige car insurance
The car insurance specialist would require personal information such as the name, gender and age of the driver, driving experience and accident-free history for good underwriting of the risk. Other information relates to the type of the car, security features installed onto the car and the security features of the garage where the car is parked overnight.