February 2017


Car Insurance Is a Must, But Not Difficult to Obtain or Use

Car insurance is vital to all drivers and in many areas it is actually a requirement to purchase it. However, this doesn’t mean that car insurance is difficult to get or too costly. In fact, most insurance companies offer vehicle insurance that is effective and very reasonably priced and they can even educate you on the different types of car insurance, which means that you are guaranteed to get the kind you need. At first glance, car insurance policies may seem a little complex but once you learn a few basic concepts, the task of choosing the right policy for you becomes much easier. Whether you drive ten kilometres per day or forty, you can get the right policy for your needs if you solicit the help of a competent insurance agent. In fact, this is the only way to ensure that you get the policy that works best for you.

Car Insurance Doesn’t Have to Be Complicated

Vehicle insurance usually consists of liability, which only covers the damages to the other person’s vehicle, and comprehensive, which covers everything including towing fees, rental cars, and medical expenses associated with the accident. A Warranty and Insurance Budget Direct comprehensive car insurance also covers key locks and barrels, replacement of your vehicle if it is totalled, damages to personal items, removal of debris from the accident scene, and even coverage for a death that may result from the accident. You can submit claims for the accident itself, for theft or attempted theft, and even for environmental damage from a storm, flood, or even hail. The coverage limits and deductibles change with each policy but companies such as Warranty and Insurance can help you determine which one is best for you. In fact, even if you are somewhat familiar with car insurance, it is best to speak to a qualified agent before deciding which policy to purchase because he or she can not only help you decide on the most effective policy for your needs but will make sure that the policy you receive is the most cost-effective one as well. Although they are in the business of selling insurance policies, they are also interested in saving you money, and they work hard to do just that.

Car Insurance Made Easy

Everyone needs car insurance whether you use your vehicle often or just periodically. Insurance companies can offer you a great policy at a very reasonable price and they always work with you so that you don’t get too little or too much coverage. Most of them can also be found on the Internet, which is a great way to research all the services they provide and details about each policy they offer. Furthermore, there are many discount car insurance companies these days, which means that it is simple to get the policy you need at prices that won’t break the bank. When you need a car insurance policy, trusting the professionals is always your smartest option because they can provide a policy that is inexpensive and that covers most of the scenarios you may be exposed to in years to come.

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Your Basic Questions about Car Windscreen Damage Answered

Windscreen issues are very common in Australia and so are the related insurance claims. Drivers can rarely weigh the problem on their own and generally tend to have a load of questions about the damage and the ways to fix it. Here are some of the most frequently asked questions and their answers:

  1. How do I get the maximum amount for a claim?

Your insurer may pay out all the money for a repaired or replaced windscreen. To make sure you can claim the maximum amount, make sure you are using their approved repair service. Each insurer has its preferred repairer, with whom they negotiated an advantageous deal.

  1. Windscreen repair vs. replacement – how long does it take?

Although you shouldn’t be making any compromise and have the glass replaced if the situation calls for it, it’s understandable that, in less urgent situations, you may be in a hurry and need to know which service is faster. Repairs can be done in less than half an hour, while car window replacement can last between 2 to 4 hours, depending on how quick the glue sets.

  1. Will there be a warranty on the work?

Usually, repaired glass is much tougher than the rest. In any case, Australian repair shops can offer a lifetime warranty for their windscreen works, involving both the craftsmanship and the materials.

  1. Will a chipped windscreen last?

Small chips can pose no risk, but deeper, cracked or spreading ones can lead to further damage. Don’t attempt to diagnose it yourself, go to a specialist and they will do what needs to be done. If it calls for repairs, see above.

  1. Can windscreen damage become worse?

Even a minor chip can develop into something big. Wind, pressure, vibration, water, extreme or fluctuating temperatures are no good for the glass. Any crack can spread. The risk is real; it’s no scare strategy of repair shops.

  1. What is the cheapest glass repair option?

It’s not the price that matters when your own safety or even life may be at risk. Find good professionals and take their advice. Prioritise the structural integrity of your vehicle and your own safety. Anyway, it is very likely that your car insurance will cover at least part of the cost.

  1. Are DIY kits any good?

It depends on their quality, the severity of the issue and your level of skill. If the windscreen is only chipped a bit, it can work just fine. However, if it’s cracked, it may actually deepen or extend.

  1. When is it time to go to a repair shop?

Immediately, regardless of the problem. Even, small chips can expand or go deeper due to vibrations, weather, moisture etc. You never know when a sudden crack may develop. This can endanger the driver and the passengers. Also, note that in most cases only fresh damage is repairable.

  1. Should I patch the damaged area?

As long as you’re extra careful about it, you can protect the area until you can reach a repair shop. Use tape (as long as it’s not obstructing the view) or clear nail polish. Make sure to clean the place very well – no debris should get in.

The more specific questions on this topic should be addressed to your insurer or to the preferred (or closest) specialised service.

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