Knowing
what type of car insurance can help a lot in an accident. It helps to be sure
of exactly what is covered. There are three basic types of coverage provided in
Ireland: comprehensive cover; third-party, fire, and theft cover; and the
third-party cover.
Comprehensive insurance is the most
extensive type that covers all possible situations. Usually applied to new
vehicles, coverage under this type of insurance varies between providers, but
it typically pays you for repair and breakdown services, whether the claims
were made by you or a third party. It also pays for theft and stolen items
inside the car, as well as damage to property whether it was yours or a third
party’s.
Meanwhile,
a third-party, fire and theft policy typically pays you for losses from fire or
theft, as well as personal injury claims from another party. A third-party cover, on the other hand, is
the most basic auto insurance type that only provides for losses of other
drivers or property owners. When you get into an accident involving other
vehicles, and you admit fault, a third-party coverage can pay for the other
parties’ expenses, but not your own.
Those looking for insurance should bear in mind that different providers
could offer different rates, even with the same factors considered, so it pays
to shop around. The best insurance brokers have user-friendly online tools that
make it easy for shoppers to compare rates and find the coverage that suits
their needs and budget.
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