Introduction
Managing insurance becomes more straightforward for families or households with multiple cars when you follow the right strategies.From policy selection and NCDs to add-ons, every detail matters to ensure costs don’t spiral out of control. This article shares insurance tips for households with multiple cars, guiding you to fully protect each vehicle while avoiding wasted premiums.
1. Check the NCD for Each Vehicle
- Ensure the NCD for each car is correctly calculated.
- Do not attempt to transfer NCDs between different vehicles — follow PIAM regulations.
- Check your NCD status using digital platforms like BJAK before renewing policies.
2. Choose the Right Policy for Each Car
- Primary car used frequently: Consider comprehensive policies or VIP Rescue for full protection.
- Secondary or rarely used cars: Opt for basic coverage to save on premiums.
- Ensure all policies are updated with correct owner information to avoid claim issues.
3. Leverage Digital Platforms
- BJAK and other digital platforms make it easy to manage all policies under one account.
- Quickly view expiry dates, check NCDs, and renew policies simultaneously.
- Select add-ons such as VIP Rescue or Key Care based on each car’s specific needs.
4. Combine Cost-Saving & Protection Strategies
- Plan renewals in stages if you have multiple vehicles to avoid a heavy premium burden at once.
- Avoid duplicate coverage or unnecessary policies for certain cars.
- Always ensure car and owner information is up-to-date to prevent claim issues.
Conclusion
Managing insurance for households with multiple cars requires careful planning and review. Follow these insurance tips for households with multiple cars—check NCDs, select suitable policies, and leverage digital platforms—to optimally protect each car without wasting costs. This strategy helps families stay confident with full protection at all times.
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