Today we’ll be pondering over the benefits and drawbacks of going for the Barclays car cover for your car. Before we uncover Barclays car insurance, it’d be better if you were aware of the seriousness of getting your vehicle insured.
Why Get The Car Insured?
Getting the car insured these days is no more a luxury and neither is an option. The Road Traffic Act makes it mandatory for every car owner to insure the car against the road accident. Violating this act not only enables the Law to disqualify the owner from driving the vehicle, but also levy huge penalties on the owner; and even gives the right to confiscate the car and send the owner to prison. In the light of this seriousness; it is very crucial for every car owner to get his/her car insured at the earliest. That being said, lets look into Barclay’s car Insurance.
Barclays Car Cover
Barclays basically offers the car cover in three different modes and it is important on your part to understand thoroughly to what extent your vehicle is covered in each of these modes.
Barclays Basic Coverage: The first mode is named as the Basic Coverage or it is also called the Third Party Car Insurance. This car cover insures you against any of the liabilities or expenses that might arise because of the injury or death to any third party involved in accident, and also extends to the expenses that might arise due to the damage to the third party property. Please keep in mind that your vehicle and you yourself aren’t insured in this cover; and thus you’d have to cater to that gap with some other car cover. This package is termed as basic, because this is the minimum level of insurance that you are lawfully supposed to have.
Barclays Third Party, Fire & Theft Insurance: This is Barclays second car cover. In this package you will be insured against the damages done to the third party as stated above in the basic package; but additionally you will also be insured against the car fire and car theft. Please note that in this policy the damages to the car are covered but the driver himself is not insured against any injury. The premium for this cover would be higher than the basic package.
Barclays Comprehensive Car Insurance: This is third and the final mode of car insurance policy offered by Barclays. In this policy you are covered against damages/liabilities/injuries as stated above in the two policies. The policy also ensures that if any part of the car/vehicle gets damaged in the accident, it would be paid for. You are also covered against the injuries that might happen to you during the accident, and you will be liable to receive the medical expenses incurred. Your belongings are insured against the theft during the accident. The policy does not just cater to your vehicle/car but also covers the caravan or trailer (if any) attached to your car. The premium for this type of policy is comparatively higher than the previous two.