Pros and Cons of Buying Car Insurance Online
Over the last year or so, we have continuously stressed on online car insurance. But we feel that we have a duty to let you know about the drawbacks and dangers associated with online car insurance. The purpose of this blog post is precisely that while focusing on the benefits too. Before we start, we would like to mention that you can buy car insurance through PitStopArabia. All you need to do is click on this link and enter your details. Yes, it is that simple.
Let us first focus on the cons of buying car insurance online.
Drawbacks of Online Car Insurance
No Access to a Person
When buying car insurance online, you are interacting with bots and sophisticated computer systems. At times, you might have queries that the bots cannot answer. For example, what is the best car insurance for your needs? It is a question that can be challenging for any AI-powered bot to answer satisfactorily. You can search for answers online, but that might not be enough. In situations like these, having a person with detailed knowledge of car insurance is the need of the hour.
Car Insurance Knowledge Required
If you plan to buy car insurance online, you need to have adequate knowledge about car insurance. For example, you need to know the difference between comprehensive and third-party car insurance. You need to understand terms like voluntary insurance excess, agency repair, and the numerous add-ons. Without this knowledge, you might end up buying a policy that does not meet your requirements.
Basic Computer Literacy Skills Required
If you are going to buy car insurance online, you need to have computer or smartphone literacy skills. You need to know how to navigate the insurer's website, enter the relevant information, and various other things. If you are not skilled in computers or smartphones, you will have to rely on another person. If that's the case, the best thing to do is to opt for offline car insurance.
Fraud
It is perhaps the biggest drawback to buying car insurance online. In the hopes of low insurance premiums, people end up buying car insurance from fraudulent websites. Therefore, not only do they spend a considerable amount of money, they get nothing in return. There are many cases where people have had their personal and bank information stolen, leading to other problems.
Now, let us focus on the other side of the coin.
Benefits of Online Car Insurance
Purchase Anywhere, Anytime
One of the biggest benefits of online car insurance is that you don't need to go to the insurer's office. Instead, you can buy it anywhere and anytime. It is indeed a benefit for people who don’t have enough time on their hands to go to the insurer’s office. In short, online car insurance is convenient.
No Middle Man
Many people lack the knowledge of car insurance or don’t have time to deliberate with insurance representatives. Thus, they turn to insurance brokers who find the right policy to match their requirements. Brokers charge a fee that can add to a person's costs. If you opt for online car insurance, you eliminate the middle man, reducing the cost and time.
No Documentation
There is no need to fill out lengthy documents or anything like that. All you need to do is fill out a small form online, and you will be insured. Therefore, if you are someone who dreads long documents, online car insurance is perfect for you.
Low Prices
There is a general trend in the car insurance sector that online car insurance tends to be cheaper. There a lot of discounts and add-ons which make online car insurance a much better option. The reason behind the low prices is that by shifting online, insurance companies can reduce their expenses. They pass these savings onto the customers.
Compare Prices
Websites allow you to compare insurance prices from different insurance companies. By comparing prices, car owners can take a more informed decision regarding which policy to buy. If buying offline, you will have to visit each insurance company’s office, get a quote, and manually compare the prices.
Before concluding our article, let us quickly review the benefits of car insurance.
Advantages of Having Car Insurance
Some of the most notable advantages include:
- Car insurance is mandatory in UAE and many other countries. Therefore, by having car insurance, you remain on the right side of the law.
- Offers protection against damage or loss of the vehicle.
- Provides liability coverage against actions by third parties.
- Emergency replacement car.
Wrap Up
Without a doubt, buying car insurance online has more benefits than drawbacks. To overcome cons such as fraud, a person needs to exercise caution. We recommend that you stick to the most reliable websites and buy insurance only from registered, recognised insurance companies. Also, if you run into problems, you can always contact the company's representative. If you have any questions regarding this blog post, feel free to send your queries. Thank You.