Helmet: what you need to know about insurance

You probably heard of a helmet insurance, but do you know exactly what it is? To begin with, we must distinguish between the two most popular car insurance: helmet and RCA. The helmet insurance is the one that provides your car against damage, regardless of the fault they are produced.

This insurance is 100% for your car, while RCA insurance cancels those who produce damage, from other pedestrian participants and so on.

Unlike RCA, the helmet insurance is not mandatory by law, but it is ideal and we will continue to explain the reason: the RCA policy does not cover any damage to your car, so if your car is destroyed by a tree, scratched in the parking lot or hit by other external accidents, you will start your car.

What does the helmet insurance mean?

To understand the importance of helmet insurance, think of the risks that your car is exposed: it can be the beginning because of other participants, it can suffer from a fire, it can be influenced by natural phenomena such as hail, it can be stolen and so on.

Well, the helmet insurance policy can cover all these risks so that the car is repaired or even replaced. And you will enjoy a state of tranquility knowing that any situation will find the right solution.

The helmet insurance can end in any car insurance company, but the risks they cover can be different. Depending on the policy you are doing, but also to the insured amount, you will benefit from more or less risks covered by insurance, it all depends on what you want.

In addition, the Policy Deligo ends for a fixed period of time, up to 1 year. This is renewed if necessary and the insurer in which you purchased will warn you when you approach the end of the covered period.

How does the helmet insurance work?

In the case of an event covered by the Cales insurance policy, the first step you need to take is a discovery. This will take care of the inspectors of the company in which we have the insurance of the helmet or police representatives, damage will be drawn up to determine what the necessary repairs are and the following phases for repairs will be taken.

After the formalities are ready, you will have 2 variants to repair your car: in the service recommended by the company in which you will ensure or in your regime (only if you have this aspect mentioned in the contract).

How much does it cost to make politics?

Like other optional insurance companies, but not only, the Cales insurance policy does not have a fixed price. Depending on the company that offers it, the value of your car, the risks on which you provide your car and so on. The price of the helmet policy is generally expressed in euros and the payment is made in her at the BNR rate on the day of payment.

On the insurance market there are many companies that offer this service and our recommendation is to ask your wishes for a personalized one from several suppliers before making a decision.

What damage does not cover the helmet insurance?

There are some risks that the helmet insurance policy may not cover and including:

• Participation in car competitions or competitions
• Violation of the law: guides in a state of intoxication or under the influence of drugs
• Traffic outside the public roads
• When the car was driven by a person without authorization

Of course, the risks that are not covered by helmet politics can be different from one insurer to another. Therefore, we advise you to check these clauses before signing the contract, in order to not have unpleasant surprises. And if you think that something is wrong, you can call another insurance company.