Comprehensive Car Insurance Guide

Still the most popular type of motor insurance a Comprehensive Car Insurance policy will deliver a level of cover sufficient for most drivers.

This simple but timely guide will enable our readers to obtain a quick overview of the features and benefits of ‘fully comp’ motor insurance.

Comprehensive cover gives you full risks cover for your car. In simple terms, it means that you can claim for any damage caused to your vehicle by any means, apart from exclusions that can be found in the small print.

In addition to allowing you to claim for the damage caused to your car in an accident, with comprehensive car insurance cover, you can also claim for acts of vandalism, theft, or any other accidental damage to your car which does not involve a crash.

Most UK insurers provide a similar array of policy features and benefits. It is for the individual to shop around and find a policy which delivers the required level of protection at the right value-for-money price.

Voluntary Excess
The higher the excess on your policy (the sum you have to pay from your own pocket in the event of a claim) the lower your premiums are likely to be.

The list below is by no means exhaustive, but it does give an indication of the cover levels you can expect: 

• Up to 80% no-claim discount
• Breakdown cover
• Glass cover
• Road rage cover
• Online discount for new policies
• Secure, online applications
• Temporary replacement car service
• Cover for up to 200 days in EU countries
• Legal expenses up to £100,000
• Personal accident benefit from £10,000 to £100,000

Drivers should make sure they read the small print on their comprehensive car insurance policies, even if they believe they have fully comprehensive cover. People must also make sure that the main driver on the policy is also the vehicle owner or the car insurance firm will not pay out any claims.