5 Reasons Why You Should Always Have Car Insurance

Many insurance policies in life can be seen as a luxury, life or health insurance for example, travel and pet insurance are two more but if you have a vehicle on the road, your car insurance is not one that can fall into that category.

Car insurance, at least third party, is mandated by law and if you are driving around without the lowest type of cover you are breaking the law. Other than that, the level of cover you take out is up to you, but there are some really prevalent reasons that may sway you to up your policy to fully comp.

1. Financial costs – If, like many people your household runs on a strict monthly or even weekly budget, a large expenditure can really put you out. Keep in mind, it is much easier to budget a small cost every week or month such as the cost of car insurance premiums, than it is to pay out a large sum if something were to happen to your car.


2. Collisions – You should always be insured to cover the other person in a collision but if you up your cover, you could be safe in the knowledge that little things such as a crack in your windscreen can be fixed really quickly before they have the chance to get worse.


3. Vandalism – If you live in a really good area with a low crime rate, you could upgrade to theft and vandalism cover for a really discounted amount whilst achieving that peace of mind that only comes when you are fully comp.


4. Health Care – This generally comes into the minds of parents or people who have dependants. If you are hurt in a car crash some motor insurance pays to ensure you receive the best medical care possible. This is great news for you and those who depend on you.


5. Not too much of an expense – If you get your car insurance from 123.ie, you could find you are paying much less than you originally thought. Don’t put off taking out your insurance because of misconceptions over price, take a look around first and you could be pleasantly surprised.