Like all Audi owners, you love your
car. But in these tough economic times, it may be getting difficult to justify covering your car with comprehensive UK car insurance. After all, insurance is nothing more than money set aside “just in case.” It is understandable that you might consider using those funds to pay bills that are due now, rather than waiting for a “just in case” that may or may not happen later. You have a mortgage or rent payment to make, and it is easy to talk yourself out of insurance in lieu of important bills.
On the other hand, did you know that according to the latest Car Theft Index, a vehicle is stolen every ninety-five seconds? You probably already know that if your vehicle is damaged beyond its value in a car accident, that comprehensive insurance would provide you with a total loss payment on the value of your vehicle. But did you also know that if you do lose your Audi to a theft, that comprehensive car insurance would provide you with a total loss payment?
Have you considered what you would do if you no longer had a car? Can you walk to work? If not, do you have funds set aside to replace your beloved Audi, or perhaps another means of transportation? If you could not get yourself to work, how would you pay the mortgage or rent at all? Is that a gamble you are willing to take?
If you are starting to get nervous, you have some options. One option is to purchase comprehensive UK insurance coverage for your Audi and find a way to make the payments. While a total loss payment on your Audi might not exactly pay for a like-for-like replacement, it will certainly get you back on the road again. Shopping around for the best rates will give you the comfort of knowing that you are not overpaying for your insurance, and you can speak with insurance providers about options that will cover you in the event of a loss, while minimizing premium costs.
If you still find yourself unable to meet a budget that includes comprehensive coverage, consider at least setting aside a small amount each pay period, essentially building up a self-insurance fund. You need to know that you can afford a replacement vehicle, or at least fares for public transportation, in the event that you no longer have your Audi available to you.
You might never experience a theft or an accident that renders your pride and joy useless. Then again, you might. And if it happens to you, you will be in the best position to respond if you have a backup plan.
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