With the increase in the number of cars on the road during the holidays, it is normal that the risks on the roads also increase. You must therefore be careful to enjoy your holidays in complete safety and serenity. In addition to the possibility of the car breaking down in the middle of the road and requiring a breakdown service, road accidents are also more frequent. In this context, it is essential to rely on car insurance, both for the safety of the vehicle and for the passengers.
Car insurance coverage for personal belongings
Before leaving on holiday, it is important to have a general check-up of the car to avoid possible problems of mechanical breakdowns, etc. But even so, it is not always possible to avoid all the unexpected. With a good insurance policy, you will benefit from 24-hour assistance, giving you peace of mind and security throughout your trip. Car insurance protects vehicles and road users through the basic compulsory package: civil liability.
The driver can nevertheless benefit from adequate coverage thanks to guarantees that can be taken out as an option. For this reason, it is essential to provide certain additional guarantees when going on holiday. This is the best way to avoid an unpleasant experience following a possible claim.
To this end, you should consider a luggage guarantee to cover: accessories, computer, suitcase, surfboard and any other type of personal effects. If you have theft coverage on your auto insurance policy, it doesn't mean you're covered. It protects against the theft of the car, not what's in it. So check the policy to see if luggage or personal effects are included. If not, you should consider adding them.
Coverage for the secondary driver
People travelling in a group (with family or friends) should consider this coverage so that they can share the wheel with their spouse or friend. The spouse or friend is considered a secondary driver and must be listed on the auto insurance policy. However, it is the insured who must report the claim and will still pay the insurance premium. This coverage compensates the driver declared as a secondary driver in the same way as the primary driver.
Obviously, it should be noted that the addition of secondary coverage has an impact on the price to be paid for car insurance. It is also possible to register several people as a secondary driver, but first of all, it is necessary to find the insurers who offer this type of coverage.
Assistance and breakdown assistance coverage
The risk of accidents is higher during holiday periods. Also, the car can break down in the middle of nowhere at any time. You must therefore have a guarantee that assures you of assistance and breakdown service in all circumstances. It is recommended that you opt for a 0 km assistance guarantee, which entitles you to a replacement vehicle, accommodation, etc., whatever the conditions.
In other words, your car insurance allows you to obtain assistance after an accident, a car breakdown, and even for other types of claims such as theft or fire.
Check coverage for travel abroad
If you are planning to go on holiday abroad, it is essential to check certain elements in your car insurance contract. Insurers offer cover in the countries of the European Union, but also in several other countries. However, it is necessary to check whether the countries you will be travelling through are also covered and not just the country of destination.
Preferably, you should contact your insurance company to discuss all points directly with an advisor. These include, for example, the risks covered in the country in question, the duration of the cover, etc.