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The difference between independent private damage insurance and comprehensive care insurance

 

The difference between independent private damage insurance and comprehensive care insurance

Comprehensive or independent insurance against damage to cars: What is the best policy? Read on to learn more.

Table of contents
Independent private damage insurance
Benefits of independent insurance against private damages
Compensation for expenses incurred due to negligence of the person
Additional coverage is available for purchase, including
Reward for not claiming for claims-free years
 Comprehensive care insurance
Benefits of universal care insurance
Highest level of security
Obligations are covered
Special damages
Take away

The Comprehensive Car Insurance Plan is a comprehensive insurance policy covering both external and personal damages. It also allows policyholders to complete their coverage with some additional coverage. Due to its comprehensive coverage, it is the most expensive plan, but it is also the most recommended. However, when an accident or collision occurs, all parties are responsible for the damage. As a result, separate insurance coverage against private damages arises. But first, let's go to the features of comprehensive and independent insurance plans against private damages, in addition to the differences between them, in order to determine the best alternative to the owner of the car.

Distinguishing between different car insurance policies enhances their value and makes it easier for customers to choose one.

Independent private damage insurance

Independent private damage insurance is the polar opposite of the liability policy only in that it is designed to protect your car only, with no third-party coverage. This coverage covers the costs of damage or losses to the insured vehicle as a result of an accident, theft, fire, natural disasters, man-made disasters, etc. For policyholders, independent damage insurance provides them with access to additional coverage and discounts.

Benefits of independent insurance against private damages

The advantages of purchasing an independent private damage policy are as follows:

Compensation for expenses incurred due to negligence of the person

In the event of an accident, your damage insurance will cover the cost of repairing your car. It provides more protection than third-party liability insurance, which is required by law.

Additional coverage is available for purchase, including

Many optional additional covers are available for special damage covers. You can choose from and choose from for personalized insurance coverage that meets your specific needs.

Reward for not claiming for claims-free years

As a reward for good driving behavior, the insurance company offers al Ahli Bank with each damage insurance policy.

Comprehensive care insurance

The comprehensive car insurance policy covers the losses and damages of both parties in the event of an accident or disaster. It covers full insurance coverage for insured vehicle/damaged vehicles as well as third-party liability. It's a comprehensive insurance plan that covers everything. A number of additional coverages are available, such as zero consumption coverage, NCB coverage, dual fuel group coverage, etc., to supplement comprehensive insurance coverage. The law does not require comprehensive car insurance coverage, unlike only a third-party policy, although it is highly recommended.

Benefits of universal care insurance

Here are some of the advantages of having a comprehensive vehicle insurance policy:

Highest level of security

Car insurance provides an additional layer of security for the insured as well as his car. This is achieved by covering any damages incurred as a result of an accident, providing financial stability and peace of mind in times of hardship.

Obligations are covered

In the event of an accident in which the policyholder is wrong, third-party insurance will be required to pay the costs. This type of insurance is required. Third-party obligations are covered by a full policy.

Special damages

In the event of an accident, insurance will also pay for damage to the car. This covers damage from natural and man-made disasters, sabotage, accidents and theft.

Take away

To choose whichever is best for you, you need to know all about universal care insurance and the differences between it and private damage insurance. After reading the above information, we hope to understand how both plans work and why each car owner should have each of these car insurance policies for comprehensive coverage when driving their cars.

READ ALSO - Why would electric car insurance be more expensive?

Disclaimer: This article is published in the public interest and is intended solely for the purposes of public information. Readers are advised not to rely on the contents of the article as crucial in nature and should conduct further research or consult an expert in this regard.

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