Optional Benefits in Car Insurance: Are they worth it?

Delve into the world of optional car insurance benefits. Discover popular additions like hire car coverage, excess-free claims, and learn if they're right for you.
Woman on phone behind car with shattered windscreen.

Comprehensive car insurance policies usually include the features most drivers want. However, we all have different needs when it comes to our individual car cover. This is where optional benefits come into play.

With car insurance add-ons, you have the opportunity to tailor your cover. You can pay for extras based on what your needs are.

You might be wondering whether optional benefits are worth the cost for you.

Like most things, it depends.

Here, we’ll review some optional benefits that you may be eligible for. They may be available to you at extra cost.

Hire car cover after an insured incident 

Imagine what you would do if you needed to get your car repaired or replaced. Would you be able to easily find transport? Could you pay for a rental car after an accident? Your existing comprehensive car insurance policy likely includes car hire after theft or an incident where you are not-at-fault. However, outside of these two cases, cover for a hire car is an optional benefit you would need to add to your policy.

If you can cover the cost of a hire car or are willing to use other means of transport you may not need this option. On the other hand, adding the option might be worth it for those who cannot take on a large transport expense. Your product disclosure statement will specify the number of days and maximum daily value of your car hire 

Excess free windscreen or window glass claim 

Another common optional benefit is excess free windscreen replacement. This would apply to window glass and sunroof replacement as well. Anyone who has ever had a small chip in their windscreen knows that it can quickly turn into a huge crack. If you do find yourself with a fully cracked windscreen, you’d be happy to have opted for this additional cover. You may consider this optional benefit depending on where you spend time driving. Do you drive in locations where debris or weather is more likely to damage your windows? Excess free windscreen cover may be a good choice for you. With this optional benefit you get one excess-free windscreen repair or replacement during the period of your insurance. This means you will not have to pay out of pocket for the first windscreen or glass claim.

Factors to consider when choosing optional benefits

Optional benefits are a great way to tailor car insurance coverage. Your lifestyle and ability to cover unforeseen costs should inform your decision. We encourage you to weigh the costs and benefits as you consider what suits your individual needs.

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Things to note

The information in this article has been prepared for general information purposes only and is not intended as legal advice or specific advice to any particular person. Any advice contained in the document is general advice, not intended as legal advice or professional advice and does not take into account any person’s particular circumstances. Before acting on anything based on this advice you should consider its appropriateness to you, having regard to your objectives and needs.

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.