What is a vehicle protection letter?

What is meant by a vehicle protection letter?

A vehicle protection letter is an additional protection for frequent travelers and travelers. You can take out this additional service in addition to your vehicle insurance.

So if you travel a lot by car and travel long distances by car on vacation, For them, additional protection in the form of a vehicle protection letter could definitely make sense. If you only drive occasionally, for example to do your shopping in the nearest city, you could forego the additional protection.

If you have purchased a new car with a mobility guarantee, in some cases it may also happen that additional protection is already included in the mobility guarantee. Here you should compare the contracts to decide whether you need additional insurance.

What benefits does a vehicle protection letter include?

Depending on the provider and the tariff selected, the range of services provided by a vehicle protection letter also varies. Most of the additional services included in such a protection letter include roadside assistance and towing the vehicle to a nearby workshop.

The letter of protection can also be used for minor repairs and replacement parts. This depends entirely on the composition of your policy.

If you find yourself in the unfortunate situation of having your vehicle stolen or your car in an accident can no longer be repaired or even if salvage is necessary, your letter of protection can also cover these circumstances to secure. If necessary, additional costs may arise as a result, such as travel costs to your place of residence or the originally intended destination via train ticket or taxi, etc. be insured. In some cases, the letter of protection also covers the costs of a temporary rental car.

In addition, medical transport costs in the event of accidents can also be covered. These usually apply to all occupants of the vehicle.

Here you should definitely look carefully at your contract, as many of these additional services are linked to a a certain maximum limit is linked and, in case of doubt, you yourself are responsible for claiming higher costs would have to.

How much does a vehicle protection letter cost on average?

The amount of additional insurance protection in the form of a vehicle protection letter depends largely on the need for security and the kilometers driven. You can take out a variety of additional protection letters for your motor vehicle insurance for just 20 to 30 euros per year.

Automobile clubs such as the ADAC, on the other hand, offer their members a much broader range of services, which, for example, ensure higher maximum limits for the assumption of costs when used in emergencies can. However, the fees for members of such automobile clubs tend to be somewhat more expensive.

Ultimately, everyone has to decide for themselves based on their own needs whether additional insurance with a vehicle protection letter makes sense. In any case, it is worth comparing many providers with their tariffs in order to be able to take out protection that is tailored to your own expectations and wishes.