What is the most important thing for car insurance?

From experience, we can say: the most important thing is that your car insurance matches your personal situation. A cheap policy might seem attractive, but if you end up with high costs after an accident because your coverage was insufficient, it’s not really a good deal. That’s why it’s essential to think ahead about what you really need.

What should you consider?

1. Coverage level: Driving an older car? A basic liability (WA) insurance might be enough. But if you have a new or expensive car, a more comprehensive (WA+ or All-risk) policy is usually better.

2. Deductible: A higher deductible means a lower premium, but are you prepared to pay more out-of-pocket in case of damage?

3. Extras  and service: How quickly are claims handled? Do you get a replacement car? These aspects can make a big difference when the time comes.

4. Your personal situation: Do you drive a lot? Do you park on the street or in a garage? These factors influence which insurance suits you best.

Car insurance is not a ‘one size fits all’ product. Take the time to choose what really fits you and your car. A well-thought-out decision will save you money and stress in the long run!

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