It is always regretful that we discover a lack of cover when we are most wanting – this is usually when we don’t have the kind of cash to fork out at a whim when life deals us a hard blow.
Not having car insurance cover in a country where drivers are a law unto themselves and where the roads are not always maintained correctly is not a wise decision.
Even if you choose the most basic car insurance cover that will only take care of third party, fire and theft, is advisable as you never know when you might need to claim.
Obviously there are many of us that prefer to have a more comprehensive plan in place so that you are covered for a broad spectrum of consequences.
Many motor vehicle outlets won’t let you leave the premises without proper proof that you have insurance cover in place – one cannot blame this mind-set.
Furthermore, all-risks policies are there for a reason. Should you have a car stolen with everything but the kitchen sink in it, you will be happy to have had this insurance cover so you can claim for clothes and any accessories, books etc. left in the car.
Insurance cover is there as a safely net – a soft place to fall back on when you are usually at your most vulnerable and your most needy.
Perhaps insurance cover might be viewed as something of a luxury – but when you experience one of life’s more unpleasant eventualities, you will be pleased you took the time and trouble to find the right insurance products for your specific needs.
