It can be a confusing and daunting task to select the right car insurance policy for your personal or business vehicle, however this article will outline the top 5 reasons why you should invest in a comprehensive car insurance policy.
Reason #1: Insurance providers who offer comprehensive car insurance policies often include Roadside Assist as part of the insurance policy. Roadside assistance is an often overlooked feature of insurance policies as many customers do not see the value of this benefit as they have not previously had the misfortune of finding themselves stranded after their vehicle has stopped running. The quality and coverage area of the roadside assistance included in the insurance policy will vary from provider to provider, so it is vital to check that you are covered in areas which you frequently travel, and if there are any additional costs incurred under certain circumstances – such as if a tow or on-site repairs are required.
Reason #2: Another unique feature of comprehensive car insurance policies are the inclusion of a loan car for when your car has been stolen or taken in for repairs. Having access to a loan car from your insurance provider is a valuable addition to your policy as it minimises the impact of car trouble to your lifestyle and work commitments, allowing you to continue on with your planned activities without disruption or the inconvenience of arranging alternative transport.
Reason #3: Car contents cover is a new benefit included in more modern comprehensive car insurance policies. This benefit allows you to claim for personal belongings lost when you car has been stolen, or damaged in a car accident. No longer will you also need to replace your iPod and other valuables that were inside your car when it was stolen.
Reason #4: Caravans and Trailers are additionally covered under many comprehensive car insurance policies. These are especially valuable when undertaking long family vacations or business trips where you are also taking along your caravan or trailer filled with your valuable possessions.
Reason #5: A hidden and expensive extra cost of budget insurance policies is the lack of cover for lost or stolen car keys. A re-keying or re-coding of your car keys can cost as much as $250 as keys often have electronic signatures which need to be replicated by an authorised dealer. Comprehensive car insurance policies will often allow you to include key replacements in your monthly policy, therefore in the event of lost keys you won’t be required to pay an excess fee.
When considering the added value that comprehensive car insurance includes, depending on how you use your personal or business vehicle, it may be the smart and economic decision to invest in comprehensive cover. Always be sure to thoroughly read the product disclosure statement (PDS) provides by your provider, and ask your insurance agency to clarify any points that you are unsure about.

Allianz operates throughout Australia and New Zealand and through its subsidiaries offers a range of insurance and risk management products and services. The company provides some form of insurance cover for more than half of Australia’s top 50 BRW-listing companies, and employs approximately 3,300 staff. An avid supporter of environmental friendly initiatives, Allianz has a target to reduce emissions by 20% by 2012 and Is a member of the Australian Government’s Greenhouse Challenge Plus program.

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