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Humans have an instinctive tendency to protect what is important to us. And certainly, our car is invaluable for making our daily lives easier.

Imagine earlier times when cars didn’t even exist as a concept, and people could only move on foot or, at best, with donkeys (if they were financially well-off).

Can you imagine yourself living your daily life without your car? And trying to meet the needs of you and your family without it? Certainly, in a city, this would be nearly impossible, right?

So, you’ve just realized how valuable your car is, how it upgrades your quality of life, and how it saves you precious time.

Undoubtedly, you know that proper car maintenance ensures its longevity and your financial balance.

Therefore, wouldn’t you do your best to take care of it and give value to the money you’ve invested in this asset?

If your answer is yes… Great! That’s the right attitude to ensure your investment in your car doesn’t go to waste!

Now, what about your car’s insurance?

When it comes to this point, do you settle for third-party liability coverage? Is it enough to be covered for potential damages or accidents you may cause to others? And what about the safety of your own car? Could this omission be a significant oversight against yourself and your finances?

What is Comprehensive Car Insurance?

The value of comprehensive car insurance is undeniable because it genuinely covers you against a variety of serious damages that may arise from different factors in your daily life.

For example, comprehensive car insurance can cover damages caused by:

  • Accidental Damage
  • Accidents
  • Fire
  • Theft or Attempted Theft
  • Malicious Acts
  • Riots, Strikes, Labor Disturbances
  • Natural Phenomena

 

#1 – Accidental Damage
You’ve likely heard of someone finding their car damaged or scratched while it was parked, unable to locate the perpetrator, and being forced to cover the unexpected repair costs themselves. This is a common scenario where comprehensive insurance can cover these damages for you.

#2 – Natural Disasters
Another significant case where comprehensive insurance protects you is the destruction that can be caused to your vehicle by natural disasters.

We all remember the tornado incident in Germasogeia a few months ago that destroyed a taxi while it was on the move. Beyond that, heavy storms can cause flooding, leading to your car being swept away or damaged. Or, what if severe hailstorms damage it? While we can’t control nature, we can prepare for even the rarest occurrences, whether it involves a private vehicle or a commercial one.

Make sure you add this coverage to your policy.

#3 – Accident with an Uninsured Vehicle
Unfortunately, not all drivers follow the rules, and some drive without the required insurance. Imagine being involved in an accident with such a driver. Without comprehensive coverage, you would initially have to bear the full cost of repairing your car yourself and then deal with the MIF, even if it wasn’t your fault!

#4 – Car Theft
One of the worst scenarios for a car owner is waking up in the morning and not finding their car where they parked it. Car theft in Cyprus is not uncommon. Each year, according to official data, hundreds of thefts are reported, with Cyprus ranking eighth among European countries for the most frequent car thefts!

#5 – Fire
Lastly, fire damage to a vehicle is one of those situations that you hope will never happen, but unfortunately, it can. Severe mechanical failures or incidents where the vehicle is exposed to fire are serious and costly damages for someone to handle financially on their own.


 

These are five reasons why comprehensive car insurance is essential for the care and safety of this valuable asset and your peace of mind!

In conclusion, comprehensive car insurance is the best way to protect your vehicle, making it an investment that shields you from many unforeseen events you may encounter in your daily life with your car.

At Nimela Insurance, we’re here to discuss with you all the necessary details regarding the comprehensive car policy that’s right for you.

For us, insurance is a dynamic process built on safety and care in collaboration with trusted partners—just like your ideal drive in your car!