Every car owner in the UK is required by law to have a valid car insurance policy. However, with different insurance companies, there are different types of benefits and extras’ options. If you are over the age of 50 and you are about to renew or re-evaluate your insurance premium, find out exactly what you’re getting and whether there are any add-ons available. If you can incorporate the extras within your original policy then you will have a wider range of protection and greater peace of mind.

Here are some of the additional options that may be available to you:

Courtesy car

Having to make a claim whilst your car needs to be repaired can limit your ability to travel if you don’t have any form of alternative transport at your disposal. As a result of this, many companies will offer you a courtesy car for situations such as this one. So even whilst the essential repairs are being carried out you will still have access for the commute to work and other day-to-day activities. So ask your insurer if this is an additional option or whether this is included in your policy, as it’s one of the better options to have in place.

Windscreen cover

Picture the scene, you’re driving along and a stone flicks up and cracks your front windscreen. Getting this replaced can cost you a fair bit, but if you have this windscreen cover as part of your policy then you may only have to pay a smaller excess with the insurance company paying the rest of the repair bill. This might not be an everyday occurrence but it can be a frustrating one nonetheless when it happens. Having the cover in place will also put your mind at ease because you will know that should anything happen you are covered. Check with a number of companies to see if there is any major difference in the excess that you will need to pay before making any decision.

Personal accident cover

Unfortunately, accidents do happen and if you sustain a serious injury then the insurance company may pay out as a result. Obviously no one wants to be hurt in an accident, but you should ensure you have suitable cover in place to protect yourself against all possible outcomes. Again, it depends on the company that you decide to take out the policy with as to how long you would be covered for and the excess that you may be required to pay in the event of a serious accident.

Car breakdown and rescue service

Some insurers might be able to offer you free breakdown cover as part of your policy. If they can’t, then there may be the option to include this at an additional cost on top of your annual premium. Either way, it can be very handy to have this in place. If you are driving, for example, late in the evening and your car breaks down, with this cover in place at least you’ll have the reassurance that you can get help straightaway. You might already have a deal set up with another company for breakdown and rescue services, but if not, see if you can get something in place so that you aren’t left stuck by the roadside when your car decides to play up.