Optional Cover
Optional cover refers to all the additional items that you can add to your basic car insurance cover. Basic (or essential) car insurance will be sufficient if you have a low value, old car. Basic car insurance includes third party, fire and theft cover. When you drive a higher value car or one that is financed you will need comprehensive car insurance that include accidental damage, fire, theft, hijacking and third party cover.
Optional cover are all those special “add-on” items for example your car sound equipment; off-road use; car hire (should your car be stolen, hijacked or damaged in an accident); credit shortfall cover (that will cover the outstanding amount on your loan should your car be stolen or written off); business use; roadside assistance; medical emergency assistance; towing services and many more. There could also be add-on benefits from optional cover that has nothing to do with your car insurance, such as home assistance in the form of emergency plumbing, electrical work or the services of a locksmith. Legal and trauma services could also be included in optional cover.
Many of these optional cover items are included when you take out comprehensive car insurance. Check your policy for details.