Supplement to Porsche car insurance

Accident insurance

An accident can cause serious injury or death. The accident passenger insurance provides a one-off payment in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or passengers. You can partly determine the amount yourself. In case of invalidity the payment is not sufficient to cover the loss of income caused by the invalidity. Most policies provide a payment of between ten thousand and about one hundred thousand euros, and a lower amount is insured in the event of death. In principle, you can determine the number of persons you want to insure. Click here for more information.

The passenger indemnity insurance

This insurance is more expensive than the accidental occupant insurance, but the coverage is also much broader. In addition to payment for personal injury, this insurance also pays out for material damage resulting from an accident. For example, there is coverage for damage to the belongings of passengers. As far as personal injury is concerned, the passenger indemnity insurance is also much broader. Both the driver and the passengers are paid for the actual damage suffered. Suppose a passenger becomes disabled due to an accident with the car. From the passenger indemnity insurance a payment follows whereby the victim is fully compensated. This can amount to hundreds of thousands of euros in case of permanent disability.

No-claims protection

With the no-claims protection you can protect the discount built up in the car insurance. When you choose this additional insurance, you can claim a loss on the car insurance once without affecting the accumulated discount. The claim on the insurance does reduce the number of claim-free years, but the discount is artificially maintained. Are you switching to another insurer? Then the advantage is cancelled. The new insurer is based on the actual claim-free years.

Protecting rights with additional insurance

You can also choose to protect your rights with an insurance that provides legal assistance. This additional insurance is not recommended in all cases.

Roadside assistance

Breakdown assistance after an accident is covered as standard in your car insurance policy. More and more insurers want to go a step further by also offering roadside assistance as an addition to the car insurance. This coverage you can for example extend with roadside assistance abroad. Make sure you are not double insured for roadside assistance. For new cars there is often a similar service from the car brand.

Legal expenses insurance

In some situations, you have to submit your claim to the person who caused the damage. Normally, this is not necessary with the most extensive WA casco insurance. The insurer will already pay for the damage to your car. If your car has WA or WA limited casco insurance, then it is not insured to recover the damage from the other party. For this you can take out a legal assistance insurance. After damage, the insurer will take care of recovering your damage.

Legal expenses insurance for motor vehicles

This insurance also takes care of recovering damages from the perpetrator, but the coverage is broader than the recourse legal expenses insurance. You can also use the insurance for a dispute with a car dealer, for example. Or with the garage because there is an issue about repair costs. You can even use this insurance for legal help for criminal prosecution due to an accident. However, there may be specific requirements for using the motor vehicle legal expenses insurance.