Not only is the new vehicle special - its insurance as well

The feeling of buying a new car does not need superlatives - who does not like the smell and feeling of a car that has just gotten off the ship.

But you should know that the insurance also needs to be adapted to such a vehicle.

What is the uniqueness of such insurance?

In collaboration with Phoenix smart

13/01/2022

Thursday, 13 January 2022, 14:36 ​​Updated: 15:32

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New car (Photo: ShutterStock)

Tear off the nylons!

The concept that everyone knows and folds into quite a bit of excitement and joy.

Definitely a concept reserved for the automotive world and car tires only tear when it is new, zero miles on its dashboard and zero scratches on its paint.

No wonder this is a moment of satisfaction and joy.

Just before we get to this moment it is worthwhile to take care of his insurance and protect him and his pocket from any incidents that may occur on him on the roads of our country.

And not just on the roads.

The future is already here

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Served on behalf of Shahal

For comprehensive insurance for a new car

How is new car insurance different from regular insurance? The Phoenix insurance company, for example, understands that in case of damage you will want to use original parts from the manufacturer in order to repair it and you will not be satisfied with parallel spare parts from the parts manufacturers. This is not just a car that you just want to take you from place to place, in the case of a new car there is a close connection between a car and its owner and in the coming years you will probably want to maintain its unique character as much as possible. The Phoenix Smart.

In addition, it is a well-known fact that a car loses its value the minute it gets off the cruise ship and gets on the road. This is a decrease of between 5% and 7% of the value in the first year of life. The bottom line is a loss of value of 30% in the first three years.The bottom line is not particularly happy.How does this relate to a comprehensive insurance policy for a new car? The same policy we mentioned above provides additional compensation of up to 10% of the value of the vehicle at the time of an insurance event.

If the vehicle that was stolen or taken off the road due to vehicle damage and was declared a total loss (total loss), its owner will receive compensation in the amount of its value at the time in the market - and in a miscellaneous policy also an additional 10% to this value.

We mentioned that incidents may occur not only on roads.

Well, comprehensive insurance provides your vehicle with protection also against damages not while driving and not due to another vehicle that has decided to collide with it.

Attempted theft that caused damage to the vehicle or other activity done maliciously as well as damage as a result of demonstrations and mass events that took place in the parked vehicle environment are included in your comprehensive insurance.

This is in addition to "force majeure" damage such as flooding or flooding as a result of flood rains, terrible hail that hits the trap, fire damage as a result of lightning or fire damage, damage from an earthquake and more.

In light of the heavy rains that have befallen our country in recent winters, this is an attractive and especially important cover.

Purchase insurance for a new car

A few tips from us just before you choose an insurance policy for your new car. First of all, once you have gone through all the sections detailing what is included in car insurance, do not forget to go through the "what not" as well. That is, on the anomalies of the policy. In which cases your entitlement to compensation will not be accepted. It is important to know about these cases in advance so as not to be surprised afterwards. And yes, you should check the exceptions in the various policies and choose the one whose exclusion clauses are narrower. Exception for example: If your car is stolen, after you have left it locked and with the keys inside - you will not be entitled to compensation that will allow you to purchase a new car under it.

You should make sure that you provide the insurance company with the complete information about the drivers who are going to use the vehicle. You can choose to name the driver and thus reduce the price of the policy or choose what is called "any driver" and pay according to the age of the youngest driver to drive the vehicle.

Your new car deserves the best treatment and care it can get and also in the garage that is most convenient for you to get to. Each insurance company works in partnership with hundreds of garages around the country called Seder Garages. Repairing a car in one of these garages has significant advantages in terms of your conduct at an insurance event, but you should check in advance which of the insurance companies offers you a sufficient variety of arrangement garages and those near your home or workplace. Or any other place that is convenient for you throughout Israel.

Remember, Seder garages are ones that have also undergone a reliability check by the insurance company, so beyond a more convenient bureaucratic conduct after an accident or damage that is considered an insurance event, it is peace of mind and confidence that your vehicle is in good hands.

When you purchase car insurance, you should choose and add to the basic policy additions and extensions that are services and cover for these events that you may encounter.

Road and towing services, coverage for broken windows and mirrors, replacement vehicle coverage and the like.

These are coverages that will make it easier for you to deal with unexpected events that may disrupt your daily routine.

Their goal is to minimize the harm to your routine.

Not a trivial matter.

Finally, do not forget to compare prices and policies between several offers from insurance companies and if it is indeed insurance for a new car it is worth checking its dedicated policies that take into account all of the above.

Not every comprehensive insurance will satisfy your unique needs, as the owner of a vehicle that you just ripped the nylons off.

• vehicle

• Law and insurance

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