It is the highest level of protection you can get for your vehicle, with complete peace of mind that your investment is well looked after on and off the road.
What is actually included may vary from insurer to insurer, so we look at the benefits to help you make an informed decision about the right insurance for your needs.
How comprehensive car insurance compares to other types
The difference between comprehensive insurance and cover such as fire, theft and third party cover and third party only cover is that these types only cover damage to other vehicles due to an accident that was deemed your fault. Damages to your own car will therefore be for your own account. However, if you have comprehensive car insurance, damages to your own car will be covered as well as the third party’s vehicle.
What does comprehensive car insurance typically cover?
Naturally comprehensive vehicle insurance will include cover for damages caused by fire and theft (and hijacking), as well as third party cover should you drive into someone and a claim is made against you.
What does car insurance not cover?
While comprehensive car insurance covers you against most types of accidents, it doesn’t look after the maintenance and servicing of your vehicle. Mechanical breakdowns won’t be covered by insurance and things like depreciation and gradual causes (like wear and tear and worn tyres) will also be for your account.
What if my car is stolen or written off?
If your car is stolen or uneconomical to repair, this is called a ‘total loss’. If your car was insured for less than its reasonable market value, you may end up with less cash than you need to buy a similar make and model.
If you have any questions about the right type of car insurance for your needs, call us on 0861 696 999 for an obligation free quote.