Blog KaskokindlustusMotor Own Damage

Why is it a smart decision to add extra protection to your motor own damage insurance?

When insuring a vehicle, one solution does not fit all. At Elama Kindlustus, we understand that every driver’s needs are different. That’s why we offer two comprehensive insurance packages: Flex and Max.

The available packages are designed to offer varying levels of coverage and provide the option to add additional protections that suit your and your family’s lifestyle and driving habits. Here are a few reasons why choosing the right additional coverage can be beneficial.

Flex Package: Customized Protection for Every Driver

The Flex package is ideal for those who want basic coverage but don’t want to pay for additional protections they don’t need. It covers the main risks, such as traffic accidents, natural disasters, and theft, while offering the option to add various extra protections. This way, you only pay for what you truly need.

Key Benefits of the Flex Package:

• Basic Coverage: Protection against common risks such as traffic accidents, natural disasters, fire, vandalism, and theft.
• Customizable Additional Coverages: Add protections such as replacement car, rental car insurance, and key insurance to create coverage tailored to your specific needs.
• Savings: Save money by adding only the coverages you need.

Perfect for: Drivers who want flexibility and control over their insurance costs, as well as those who use their car less frequently or in lower-risk areas and situations.

Max Package: Comprehensive Coverage with Additional Protections

If you prefer complete peace of mind, the Max package is perfect for you. It covers all major risks, providing extensive protection in every situation. While the package offers broad coverage, you can also add special protections to make your insurance even more comprehensive.

Key Benefits of the Max Package:

• All-Risk Coverage: Comprehensive protection against almost all possible situations, from major accidents to minor damages.
• Additional Coverages: While the package covers most risks, you can add specialized protections such as trailer insurance, pet insurance, or coverage for the value of a leased vehicle.
• Higher Compensation Limits: Broader protection for valuable items, such as additional equipment or extra wheels.

Perfect for: Those who want complete protection and the assurance that they are covered in any situation, including frequent travelers and owners of high-value vehicles.

Why Consider Adding Additional Coverages?

Adding additional coverages to motor own damage insurance offers several benefits:

• Customized Protection: Choose coverages that suit your lifestyle. If you need extra protection for expensive accessories or want coverage for a rental car during vacation, you can select the protections that matter most to you.

• Financial Security: Unexpected situations can lead to significant expenses. Additional coverages, such as mechanical breakdown or replacement car costs, can provide financial support when you need it most.

• Peace of Mind: Knowing that you have comprehensive coverage gives you less reason to worry. You can drive with confidence, assured that you are protected against the unexpected.

How to Choose the Right Additional Coverages?

When deciding which additional coverages to add, consider your driving habits, the value of your vehicle, and your personal needs:

• Do you drive frequently or long distances? Add replacement car and mechanical breakdown insurance.
• Does your car have a lease agreement? Consider adding lease value and lease payment insurance.
• Do you travel frequently? Add trip interruption and baggage insurance to ensure you’re covered while traveling.

In conclusion

Olenemata sellest, kas valite Flex paketi koos täiendavate lisakaitsetega või Max paketi kõikehõlmava kindlustusega, on kaskokindlustuse kohandamine nutikas viis tagada, et maksate ainult selle eest, mida vajate. Meie eesmärk on pakkuda paindlikke ja terviklikke lahendusi, mis kaitsevad seda, mis on teile oluline.

Contact us to find the insurance solution that best fits your needs!