Comprehensive car insurance
Comprehensive cover is generally the most popular of the three covers as if offers the greatest cover if you are involved in an accident. It is worth bearing in mind that just because it has the greatest benefits, does not mean that it is always the most expensive option, speak to a detective to find out more!
What does comprehensive car insurance include?
Comprehensive cover includes damages to your car in an accident. This even includes a fault-claim accident and is the only insurance policy that will protect you from this. Any damages done to a third-party, including their vehicle or self will also be covered. You also have the benefits as if you were having third party, fire and theft cover, as your vehicle will be covered in the event of fire or theft. Finally, any accidental damage done to your vehicle will come under comprehensive cover. This could be something falling on your car during strong winds.
How expensive will comprehensive cover be?
No two risks are the same so the best thing to do is to speak to a Detective and remember to tell them everything. Contributing factors include age, driving history, no claims bonus, where the vehicle is kept and any previous bans or convictions you may have. It will also depend on which insurer you are insured with as rates can change between companies.
Can I drive other cars with comprehensive cover?
Some insurers may allow you to drive other cars with this policy. However it is worth remembering that the cover will be at the level of third party only. A lot of insurers won’t allow you to drive other cars with a comprehensive policy. So again, it may be wise to check out your policy wording.
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