How do you decide which car insurance best suits

Whole, or half – or just traffic insurance if the car is older. These are some of the classic positions that are associated with taking out new or changing car insurance. Today, new cars have a car damage guarantee for usually three years, which is supplemented with a semi -insurance and which you will then increase to full insurance. Then, as the car is getting older and the value is reduced, you can consider going down to semi -insurance or just traffic insurance, which is the statutory minimum level.

When comparing Car insurance can feel attractive to just look at the price. But it is the content and conditions that are probably so important, says Gustav Jonsson, who is a lawyer at the consumers, who provides independent advice and guidance to consumers on various issues. Through their site, Konsumennas.se, there is a comparison service between different insurance in the market.

– What to look at is the content, price and customer satisfaction. The idea of ​​our point is that you should be able to see how the content differs, insurance is not equal. Even within insurance companies, it differs with different supplements and as you can do, in addition to a basic variant, says the lawyer.

Generally in terms of Car insurance, regardless of fuel, is an important factor in comparing the conditions for what applies to machine and electronics damage. There it is important to look at which limit set for years and miles, says Gustav Jonsson. But there are also things like legal protection, if you need legal assistance in, for example, a traffic accident, or all -risk if, for example, you have thought wrong or lost the key.

– Are you entitled to a rental car and how many days? Is there crisis help, assistance if you need salvage? Glass damage is something where some insurance companies adjusted deductibles and reduced compensation lately, he says.

Electric cars are a chapter in itself. Often the insurance is for such a more expensive and it may happen that some companies do not even insure your electric car.

– Partly it has become more popular in recent years with an electric car and partly it can be expensive damage and large costs associated with the batteries. In some cases it may go on the guarantee but depending on what has happened it may be an insurance case and then the conditions differ, says Gustav Jonsson.

Some factors that are Particularly important to compare between different insurance companies are the conditions for depreciation of batteries, whether the machine damage insurance is extended or not and assistance in the case of discharged battery, for example due to large queues or the battery deteriorated and discharges faster. The compensation varies already after five years and after eight years the differences may be even greater. After ten years, only a single company still provides compensation, according to the consumers.

– Right with batteries there are relatively large costs and some companies give only 20 percent in compensation for a battery that is five years old, while another company gives 100 percent, so it is worth comparing, says Gustav Jonsson and continues:

– At the same time, since the electric car insurance may cost more, easier to end up in choosing the cheapest insurance. But it is extra important to also look at the content of these insurance.

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