Motor vehicle cover letters - what they are and who needs them

A ls savior in In the meantime, a few are recommended to deal with the need: The insurance cover market used to be firmly in the hands of car clubs, but insurance companies have also been involved for a few years. They offer letters of protection for relatively little money in combination with car insurance. These usually cover basic risk coverage - such as breakdown assistance, towing service or vehicle recovery.

Protection letter market firmly in the hands of ADAC & Co.

If the car is no longer ready to drive, the journey continues thanks to the protection letter by train or plane. Because the protection offer is part of car insurance, it only applies to the insured vehicle. Anyone who travels by train or plane, takes a ride in another car or is in a rental car cannot count on support from these policies. Usually only in an emergency, when help has to be organized quickly, do those affected notice what the protection letter is really worth.

Protection letters are personal

Not all service packages also include items such as 'unscheduled' Journey home '(for example in the event of the death of close relatives) or' Help in special emergencies '(for example in the event of natural disasters such as floods, earthquakes or forest fires). The protection letter offers of the car clubs are basically personal, usually all family members sit in the lifeboat.

Membership in the Auto-Club Europa (ACE), Auto-Reise-Club Deutschland (ARCD) and the automobile club von Germany (AvD), the care package is included in the annual subscription. However, the ADAC offers two options for this: In addition to regular membership, there is a more expensive plus model including a letter of protection that is even valid worldwide Read the cover letter provider very carefully before taking out the insurance. One of the most important services is patient repatriation. In most contracts, it is promised in 'medically necessary cases', but in only a few also in 'medically sensible cases'. The difference can be of enormous importance for those affected.

In a clinic in Spain or Italy, the sick or injured person may be looked after and treated just as well as in this country. For psychological well-being, however, the home environment with the corresponding supply infrastructure is of great importance.