With all the insurance agencies we cooperate, tow service is included

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MCS Insurances - Car Insurance

There are 3 kinds of car insurances:

• Liability with car window damage (Liability).
Will be effected most of the time for cars older than 8 years.

• Limited hull insurance (also referred to as Liability plus, Liability extra or Liability mini hull insurance).
will be effected usually for cars between 4 and 8 years old.

• Full hull insurance (also referred to as Liability hull insurance or all-risk).
As a rule will be effected for new cars or cars up to 4 years old.
Also motorists who have fully financed their car, often effect a full hull insurance. This coverage will be effected with a own risk clause.

With all the insurance agencies we cooperate, tow service is included.

Coverage	Liability	Liability + Limited hull insurance	Liability + Full hull insurance
Damage to others
Fire
Theft, burglary
Car window breakage
Collision and overturn
Crash
Vandalism

• Liability
The liability insurance including car window damage covers the damage you inflict on other persons and their possessions and for which you are liable up to 50.000.000 Euros. The damage also is covered if someone else is driving your car providing this person is older than 25 years of age and providing he/she has a drivers licence for more than 2 years.
Damage to your own vehicle is not covered.
As a car owner your obliged to insure you car at least for Liability. The minimum coverage is 50.000.000 euros.
In general it is advisable to insure cars older than 8 years only for liability.
The compensation with theft and/or damage to your own car then is insignificant.

• Limited hull insurance
A limited hull insurance will also compensate, besides the obligatory liability, damage as a result of theft, fire, car window breakage. Damage you cause yourself to your car is excluded.
This insurance usually is effected for cars between 4 and 8 years old.

• Full hull insurance
A full hull insurance will also compensate, besides damage to others (liability), damage to your own car.
Even if the damage is your own fault.
There is no limit as to the age of the car to be able to insure it for hull insurance.
Also motorists who have fully financed their car often effect a full hull insurance.

MCS is able to effect car insurances with all-risk coverage with 2 or 3 or even 4 years replacement value.
This means that if your car of 3 years old would become a total loss, you will be compensated for replacement value.

At his moment we are the only foreign agent who can offer this product.

The following is included in the car insurance:
• Legal expenses insurance
The (vehicle) legal expenses insurance renders assistance with legal conflicts regarding your car insurance.
Recoup legal expenses. With this coverage you are in title to support in trying to recoup the damage from the opponent.

• Accident insurance for occupants
With a collision you or your occupants can get hurt. If from this accident (full) permanent incapacity arises or if someone dies, the accident insurance for occupants will pay out. No matter who is guilty of causing the accident.
International breakdown.

Everybody, older than 25 years of age and having a European drivers licence for more than two years can drive the car without authorisation of the insurance company.
No-claim bonus will be taken into account up to 65%

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