Getting into an accident or sending your car for repairs can be frustrating—especially if you depend on your vehicle every day. That’s why it’s smart to choose a car insurance policy that offers easy car replacement options when you need them most.
But how do you make sure this benefit is included in your plan? Here’s what to look out for.
What Is a Car Replacement Benefit?
A car replacement benefit refers to the support you receive from your insurer when your car is temporarily unusable due to an accident or major repair. This can include:
- A replacement car provided by the insurer
- A cash allowance for transport
- Faster claim approvals to reduce downtime
These services ensure you stay mobile while your own vehicle is in the workshop.
How to Make Sure It’s Included in Your Policy
Before you buy or renew your car insurance, follow these steps:
1. Read the Policy Document or Product Brochure
Always go through the product disclosure sheet or full policy wording. Search for terms like:
- “Replacement car”
- “Loss of use benefit”
- “Transportation allowance”
2. Check for Add-On Packages
Most insurers offer this benefit only as an optional add-on. Some examples include:
- Allianz Enhanced Road Warrior – includes a replacement car
- MSIG Motor Plus – includes replacement services
- Zurich Z-Assist – offers transport allowance
These add-ons can be added during purchase or renewal.
3. Use Comparison Platforms Like Bjak
On Bjak, you can compare insurance policies side-by-side and filter by extra benefits like car replacement. This makes it easier to know which insurer offers the best value.
At checkout, Bjak also shows if this benefit is already part of the plan or if it’s available as an add-on.
Car Insurance Comparison: Replacement Car Options
Final Tip
Don’t assume your comprehensive policy includes a replacement car. Many policies don’t offer it unless you add it on. Always double-check with your agent or use a transparent platform like Bjak to compare your options.
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