Supplementary Car Insurance Cover Options for Your Motor Vehicle Insurance Cover Article
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by: GiannaHarper
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In addition to these choices, motorists in the UK can also select supplementary insurance cover if they so desire. Supplementary cover is optional and is not required under the law. Nonetheless, it is available to those motorists who desire some additional protection. Three primary types of supplementary car insurance cover are available including Personal Accident Benefit, Legal Protection, and Breakdown Cover. Supplementary insurance cover is offered for those motorists who would like extra protection and the peace of mind that comes from having this added type of insurance cover.
Personal Accident Benefit
Personal Accident Benefit coverage offers motorists the opportunity to obtain protection for injuries that occur during a motor vehicle incident. This coverage would extend to the spouse of the insured individual as well. This type of supplementary insurance cover is sometimes included within Comprehensive coverage, so it is important to check with your insurer before adding it on. The Personal Accident Benefit covers the insured driver or his spouse in the event that death, loss of limbs, or blindness in either one or both eyes occurs as a result of an injury sustained during the motor vehicle accident.
Motor Legal Protection
Motor Legal Protection coverage offers motorists protection for any legal costs that might arise as the result of a motor vehicle accident. This type of supplementary insurance cover typically provides free legal advice regarding motor vehicle accidents as well as for parking problems or driving offences. This type of cover assists with the costs related to the recovery of uninsured losses and can include legal fees, professional fees or other expenses related to the recovery of uninsured costs.
Breakdown Cover
Breakdown Cover offers protection for motorists whose vehicles break down. Within this category of insurance cover, several options exist. Most insurers offer several different types of Breakdown Cover. Whilst these options vary, one or more of the following will be included within the coverage: roadside assistance, vehicle recovery, home and roadside assistance, and onward journey.
Roadside assistance is designed to assist with necessary repairs at the roadside. Transport to the nearest garage from the list of approved providers is included. Vehicle recovery is designed to provide transport of the motor vehicle to the insured drivers home, a garage of his choice, or any destination that he selects. Home and roadside assistance features assistance for repairs that are done either at the roadside or the home. Onward journey features reimbursement for the insured driver for each of the following: overnight accommodation, a courtesy car, or the cost of public transportation.
About the Author
Anabel Bynam is a keen writer about car cover and house insurance products.
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