When insuring your car: choosing cetween the best auto insurance options liability, comprehensive, and extended car Insurance explained. Valget påvirker både prisen og din tryghed, og mange vælger forkert, fordi de ikke kender forskellene.
in this blog post, we go through what each type of insurance covers, and which additional options might be important to know
Difference Between Liability, Comprehensive, and Extended Car Insurance
Liability insurance
Liability insurance is mandatory for all cars. it covers damages you cause to other people or their property, but not damage to your own car.
typical situations covered by liability insurance
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collision with another car
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damage to someone else’s property
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injury to third parties
Comprehensive insurance
comprehensive car insurance covers both liability and damage to your own carit covers, among other things:
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Theft
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Fire
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Robbery
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Generelle skader på bilen, fx påkørsel, totalskade eller skader, der overstiger selvrisikoen
Kaskoforsikringen er relevant for biler med højere værdi, hvor skaden på egen bil kan blive dyr.
Ekstra dækninger under kasko
in addition to standard comprehensive insurance, there are several add-ons that provide extra protection
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Fresh damage (or newly incurred damage)covers damages you cannot control, such as vandalism, theft, fire, collision with animals, or falling objects
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zero deductible
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the claim is not recorded as impacting your claims history
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Extended glass coverage: Dækker stenslag og skader på forruden.
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Typisk nulkrone i selvrisiko for stenslag
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Fast selvrisiko for udskiftning af forrude afhængigt af selskab
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Parking damage: Dækker små buler, fx når nogen åbner døren ind i bilen eller bakker ind uden at efterlade besked.
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Typisk nulkrone i selvrisiko
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Roadside assistancecovers situations when the car cannot drive, such as a flat tire or engine failure, and provides towing to the nearest mechanic
Udvidet kasko
Udvidet kasko bygger videre på kasko og inkluderer ofte:
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Fresh damage (or newly incurred damage)
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Extended glass coverage
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Parking damage
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Additional Optional Insurance Coverages
extended comprehensive car insurance provides maximum protection for newer or more expensive vehicles, especially if you want zero deductible on many types of claims and minimal impact on your insurance claims history
What Should You Consider When Choosing Car Insurance?
when choosing car insurance, you should consider:
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the age and value of your car
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your financial situation and risk tolerance
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how often and how far you drive
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whether you want additional coverage such as collision damage, parking damage, or roadside assistance
Price vs. Security
liability insurance is the cheapest but provides only minimal protection
comprehensive and extended comprehensive insurance cost more but provide greater security, better coverage, and lower financial risk in case of an accident
Tips to Optimize Your Car Insurance
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adjust your deductible to find the right balance between cost and risk
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bundle your insurance policies with one company to receive a multi-policy discount
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review your coverage annually – both your car’s age and your usage can change your insurance needs
unsure which car insurance is best for you?
With us, you can get a free and non-binding insurance reviewwhere we review your car insurance and find the best balance between cost, coverage, and security
you can also request a non-binding quote from us and compare your options at your own pace
