Fully Comprehensive Insurance Guide

What is fully comprehensive car insurance?

Comprehensive car insurance is the highest level of cover that a customer can get for their car. This level of insurance ensures that all parties in a typical incident are covered regardless of fault. This usually includes any injuries and vehicle damage as part of the incident. You are also covered if any of your belongings are damaged in an incident you are also covered for any losses or repairs to these which may be required.

This is on top of the benefits provide by “lesser” levels of cover which insure your belongings in the event of fire damage or theft of the vehicle or some of its contents. Furthermore, this will cover any costs claimed by third parties.

It is important to note that “fully comprehensive” is not a fixed set of included products and the cheapest policy is not necessarily the best policy. While there is a “base level” of fully comprehensive insurance there ares a significant number of valuable additions which may be included or excluded in as part of a policy.

  • Legal Assistance
  • Breakdown Cover
  • Driving your car abroad
  • Courtesy Car

What isn’t covered by fully comprehensive insurance.

Despite the fact fully comprehensive is the higher level of cover there are numerous factors that cause your cover to be void or cease to apply. For the most part these are to do with legal factors or vehicular factors.

If you are involved in an incident or something that results in a claim while under the influence of alcohol or drugs, it’s highly likely that your insurance company won’t pay out on any claim should this be the case.

You should also ensure that the vehicle is driven in a well maintained and road legal way. If you are driving your vehicle without a license under, under a driving ban, or without an MOT then your insurance company may refuse to cover any claims that may arise because of these factors.

It is very important to keep your car and any belongings inside secure as much as possible. It is not likely that any insurance company will award any claim, if you have left your car doors unlocked or windows open when a theft occurs.

Driving other cars

This varies according from provider to provider and isn’t necessarily included as part of any policy. Even when in this is included as part of any policy it is usually reserved for limited, one-off and emergency use.

It is always safer to ensure that if you are driving a car other than your own on a regular basis then you are added as a named driver on that policy. Also if someone other than yourself is driving your car on a regular basis then you should ensure that they are added to your policy as a named driver.

Is fully comprehensive a legal requirement.

No. The minimal level of cover required by law is 3rd party. However, given that fully comprehensive is often the cheapest level of cover you may find yourself choosing it as an option anyway.

Young Drivers

Some insurance companies may have a minimum age limit, for example of 21 years of age for their fully comprehensive insurance policies. Younger drivers may find themselves limited when it comes to what fully comprehensive are available to them. We recommend checking across all levels of cover and thoroughly researching as many policies as possible to get the best cover for your needs.

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