Is it worth considering adding car hire, chauffer services, and other extras?
Insurance companies very rarely just offer a standalone car insurance product. No, you now get the option to beef up your cover by adding in a few extras here and there until all of a sardine, you’re paying a whopping premium.
So, how necessary are all these extras? Are they going to make a difference when the worst happens? Or are you paying too much? We’ve checked into 2 of the most common value-added products that are advertised, weighed up their pros and cons, and gone into how you can evaluate the add-ons for yourself.
1. Do you need car hire?
Right, let’s dive in with car hire. When you get your car insurance quote, you’re nearly always offered the chance to add this extra for an additional fee. With this add-on, if your car has been stolen or is undriveable after an accident, then you’ll have a set of wheels to use while your car is being repaired or replaced.
So, is it worth it?
The thing is, if you rely on your car to do life and have no other transport options or cash to pay for your own hired car for a couple of days or weeks, then this option is pretty handy. Because you’ve been paying for it together with your car insurance premium, there’s no additional financial burden.
It’s convenient and is a huge weight off your shoulders during a stressful time while you’re without your own transport. We’d say that this is a useful option and is something that you should remember to compare when you’re shopping around for car insurance quotes, because the price of this add-on can differ from insurer to insurer.
2. Do you need personal chauffeur services?
This is something that’s become popular in the last couple of years. You can now add a chauffeur service to your car insurance policy so that if you need to get home and can’t drive your own car, drivers will collect you and your car and see to it that you both get home safe and sound.
So, is it worth it?
While accidents can happen to anyone, at any time, making car hire something that everyone should think about… The need for a chauffeur is a little more subjective. While you might be a homely person who never goes out and stays home if you’re feeling even remotely sick, someone else might find that ‘1 drink’ after work has become 4. They might also fall victim to the flu or food poisoning and become too ill to drive safely home.
If you can envision a situation where you and your car need to be driven home, then this service is worth considering. King Price, for instance, offers the king’s cab for a minimal additional amount every month and you can call them day or night* to get home when you’re in a jam. They’ll send 1 driver to fetch you and another to drive your car. It’s that simple.
How to negotiate all the extras
Yes, over the past few years car insurance has become more rounded and gives you more levels of cover to choose from. But even so, some of the extras available do serve a valuable purpose and are worth investigating. While you want to avoid splurging on all the add-ons that will make your cover too expensive, it doesn’t make sense to avoid them altogether.
It’s all about striking the right balance. And that requires a bit of homework so that you can see which of these is compatible to your life, why you’d need them, what they cost, and if they’re affordable in the long-run.
Take King Price, for instance. They offer several extras for you to choose from, each set at a super affordable price, each with their own unique set of benefits that will help you when you need it most. If you’d like to find out more and want their royal touch in your life today, then just visit their website here or call 0860 50 50 50.
*Bookings aren’t available between 01:00 and 05:30 in the morning, because their drivers have to get their beauty sleep, sometime.