4X4 Insurance | Policysouq

4X4 Insurance

Whether you own a 4×4 for work or using dune `Bashing(lugging heavy stuff from place to place), for towing anything from a trailer to a caravan or simply because it’s the largest car available that can accommodate your ever-expanding brood, Policy Souq can help you find the right insurance at the right price. You can’t say fairer than that!

  • Off road cover without distance limit.
  • Your clean record always rewarding as No claim discount.
  • Many optional cover you can add.
  • Agency repair up to five years.
  • Recovery service from desert can be added.
  • Repair at rated garages with technical report for Non agency cover.
  • Cover for accessories and add-ons.
  • Wind shield glass cover without excess.
  • Cover for audio equipment.
  • Cover for personal possessions.
  • Night camping.
  • Natural Calamity.

Difference between Third Party Liability-TPL Car Insurance & Comprehensive Car Insurance

Value of the car

TPL- value will not reflect in your policy as it covers only liability but you in case an unfortunate event of total loss value will be decided insurance company of faulty party/Driver or competent authority.

Then it makes no sense to buy a Third party Car Insurance since comprehensive cover available for up to 13 years old vehicles. damages caused to your vehicle can be repaired at a fairly low cost and quite easily. However, if your vehicle is not older 14 yrs, you should buy a Comprehensive Car Insurance as it will cover you against most kinds of damages caused to your vehicle as mentioned above with reasonable amount.

Coverage

Third party Car Insurance covers damages caused to third party vehicles, injuries caused to other people in an accident, as well as damage to third party property. This is the minimum coverage that you are to purchase by law. However, this does not cover damages caused to your own vehicle. On the other hand, Comprehensive Car Insurance provides coverage for yourself and your car in case of an unfortunate event. It is a wider coverage plan as it also covers third party damages.

Cost

A Comprehensive cover is not really expensive than a Third party cover as it provides coverage for a wide variety of injury | loss | damage.

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