Admiral breakdown cover is a special type of insurance product that pays out to you in the event that your vehicle is damaged or completely wrecked due to theft, fire or flooding. You will be able to get help quickly and without delay. If you have an Admiral insurance policy, there is no limit on the number of times you can claim for compensation. Here are some pros and cons of this type of insurance for your business vehicles:
If you want to see - Why You Should Consider Getting Admiral Insurance For Your Auto Renewal
Protects your vehicle - Admiral insurance company will repair or replace your car totally free if it's totaled. This means that you do not have to pay out for the cost of repairs. Your car will be covered regardless of whether it breaks down or not. It is also protected from fire, flooding, or theft. Furthermore, the insurance company will not charge you any additional charges for repairs that have been made to your vehicle.
Protects you as well - damages incurred to your vehicle may also be covered by the Admiral breakdown cover policy. You will not be charged for the cost of repairs and replacement of your vehicle. Damages caused by fire, theft, vandalism or malicious mischief will also be taken into consideration. This means that you can get help faster in cases of damage.
Insurance company's responsibility - your vehicle is also covered by the Admiral insurance company's liability coverage. In case you are found to be at fault for causing an accident, the company will compensate for the cost of damage. You will not be held responsible for paying for the cost of repairs and medical bills of those involved in the accident. You will also not be held liable for damages that were caused by the negligent act of another person.
You can choose the level of cover - you can choose the level of protection your Admiral insurance company offers. You can either choose to have the car repaired and restored or you can choose to have the car covered while it is being repaired. This means that you have a choice.
If your car is damaged whilst in the process of being repaired, the cost of repairing it will not be covered. The cost of having the vehicle repaired and restored will depend on the nature of the damage and the nature of the repairs. You may also have to pay for the labour costs involved. Admiral does not guarantee that the car will be fully restored to its original state. If you want to be absolutely sure of having your car back to its original condition, it would be a good idea to have it covered by your insurance.
If your car is completely destroyed and no longer available for repair, your Admiral insurance company will step up with a charitable contribution to help you find a new vehicle. You will be able to choose how much contribution you want to make. This will differ between companies, so it is important to read the terms and conditions carefully. It is also worth checking with the Admiral car owner's club - they have a scheme called Car Owners' Centrepack which will provide you with cash for most of the value of your damaged car.
If you decide to drive a new vehicle after your Admiral breakdown cover has expired then the cost of repairs will be borne by you. If you have not taken out any breakdown cover when your car was damaged, you will be able to claim on your policy for repairs to a new vehicle.
This will work out far cheaper than if you had taken out cover to replace your vehicle and for the cost of your premiums to add to the cost of repairs. There are other advantages to having a breakdown policy as well. You will never need to worry about finding temporary insurance to cover you while you wait for repairs to be carried out - you will always be covered and you will not have to worry about whether you could afford the premiums.