What is Comprehensive car insurance?
Comprehensive car insurance is the cream of the crop when it comes to cover.
What does Comprehensive car insurance cover?
Comprehensive insurance covers you for damage caused to other drivers, road users or property and, importantly, to your own car.
Making a claim against damage to your own car and making a claim for an accident that was your fault are the two biggest advantages of a Comprehensive policy.
So if you’ve had a prang and you were the motorist in the wrong you can still make a claim. On Third Party policies you have to foot the bill for any accidents that are your fault and that can be expensive.
Comprehensive cover also allows you to claim on accidents where fault cannot be proven.
So if your parked car has been crashed into but the other party has fled the scene, you can still make a successful claim.
They are both reassuring features for motorists and why, if possible, Comprehensive cover should be chosen if it’s affordable.
Is Comprehensive cover expensive?
Comprehensive car insurance offers more cover and more opportunity for motorists to make a claim.
As a result Comprehensive car insurance is usually more expensive than both types of Third Party insurance policies.
The good news is that’s not always the case and sometimes Comprehensive cover can be cheaper than other policy types. That’s why we always suggest looking at all forms of cover when picking your policy.
What isn’t included in Comprehensive cover?
While Comprehensive cover allows you to claim in most accident cases, the name doesn’t mean you get everything you’d ever wish for included in your policy.
Features that are usually optional extras are not generally included as standard, including features like:
- Courtesy car
- Breakdown cover
- Key cover
- Misfuel cover
If you want any optional extras then you will need to check first with your insurer to see if they are included in Comprehensive policies and if they’re not, you need to ask if they’re available.
For a glossary of car insurance terms, follow the link.