What's Commonly Included in a Fully Comprehensive Car Insurance Policy
If you wish to be covered for almost every eventuality then fully comprehensive insurance is the way to go. This type of car insurance means that you are covered for damage, not only to another person's car but your own too.
Full Insurance Protection
Comprehensive insurance provides peace of mind that if you were to cause an accident you wouldn't lose out financially (apart from the excess). Generally speaking, fully comprehensive car insurance also comes with legal protection and injury cover which means that you will also be protected if you were to cause injury to yourself or another person.
Many of the optional extras you can choose to include in third party insurance comes as standard with a comprehensive policy. Most insurers will offer windscreen cover as standard, they will also include a courtesy car. This is a great benefit, especially if you need access to a car for work.
Replacement Car
Similarly, if your car were to be written off, then the insurer should replace the car or offer money to the same value as the car. This is an excellent benefit, especially if you drive an expensive car and simply wouldn't be able to afford it if the worst was to happen.
Cover Levels
What may vary slightly from one insurer to the next is the level of cover. Some may only offer £1,000 personal injury cover whereas others could go up as high as £10,000+. With this in mind, it's important that you read the small print and learn what and what isn't included within the policy. Some comprehensive polices won't include in-car audio or cover for any additional equipment you may have added. Similarly, if you have made modifications to your car then this could void your policy which is why it's a good idea to call your insurer first to check what you will be covered for.
Related Articles:
- What is Third Party Car Insurance?
- Making the Most of Your No Claims Bonus
- What Is a No-Claims Discount?
- Are My Car Contents Covered?
- In-Car Audio Gear Insurance
- Multi-Car Policies
- Car Insurance Basics
This site is for information only and cannot offer insurance advice for your particular situation.
Consult with an FSA authorised insurance advisor if unsure on any topics related to car insurance.
