Clarify that between insurance against all risks we encounter various forms, mainly have fully comprehensive insurance with excess (insurance cover damage from the amount shown as a franchise), without excess (covers all the damage without pricing ). We are also extended with third-party insurance (expands insurance coverage for glass breakage, theft, lost keys, roadside assistance)
What is remarkable in all risk insurance and extended currently offered is that the coverage for health care are more limited than those available by default in the basic third party insurance.
Strangely, we hired a full insurance thinking that this is more complete and more certain, however, that health care is the most important coverage is reduced in all risk policies by default in almost all companies.
How important is health care coverage in car insurance?
's very important because in an accident where you are guilty and have been injured, contrary to what we usually think,
the social security bill the insurance company's our health care expenses only up to the limit.
Health coverage in basic third party insurance for major companies between 1 and 3 years unlimited (unlimited charges), but because when we hired a full insurance is limited to an amount that is usually around 3000 € and a time normally more than 1 year .
This coverage should be unlimited in any insurance we hire all risk and at least one year .
Also, if you find a good deal for the hiring of a full insurance advice is to talk to the company about coverage for health care , and surely, its expansion will not increase by much the cost of the premium, but in this case, you know you're really sure.
