Comprehensive Car Insurance

Comprehensive car insurance is an option available for insured drivers in the UK. It offers drivers a high level of protection and provides coverage for most incidents. Unlike other types of car insurance coverage, comprehensive insurance policies typically cover damages that result from incidents where the insured driver was at fault. Specifically, damage to the driver's own vehicle is covered in at-fault circumstances. This type of car insurance coverage is often appealing since it provides policyholder's with the peace of mind knowing that most types of incidents will be covered, including vehicle theft, fire and accidents.

What's Covered

Generally, comprehensive car insurance covers drivers in the event that they damage a vehicle that belongs to another party. This type of car insurance also covers any damage to property and injuries to a person. Comprehensive insurance also covers damages to the insured driver's own vehicle, even for incidents where the policyholder was at fault. Certain insurance policies may also cover loss of personal belongings and personal accident cover, which may be extended to a policyholder's partner or spouse.

Comprehensive insurance coverage also protects policyholders from damage or loss that are not a direct result of the driver's actions. For example, damages or loss related to the actions of others such as vandalism and theft are covered. Comprehensive car insurance coverage may also provide protection from damages resulting from natural disasters, such as flooding and hail. Drivers are also generally protected if the vehicle is damaged from debris hitting the vehicle due to high winds. This type of insurance also generally covers damages when an uninsured driver hits the insured vehicle. In these cases, the excess may be waved.

What's Not Covered

Although most circumstances are covered with comprehensive car insurance, not all incidents are covered. Individual insurance companies may cover different eventualities as part of their comprehensive insurance policy. The terms of individual policies vary and it is important for anyone seeking an insurance policy to read carefully the terms, conditions and exclusions that apply to each policy. Certain insurance companies may also set limits for specific circumstances. As with most car insurance policies, comprehensive car insurance does not cover wear and tear or regular maintenance costs.

Cost

Premiums for comprehensive car insurance are generally calculated based on the value of the car. Premiums may also be based on any extra benefits associated with the policy, such as the use of a courtesy car in the event that the insured vehicle is in need of repairs or replacement following an incident. Previous incidents while driving and past insurance claims for damages also impact premiums for comprehensive car insurance. As with other car insurance policies, your age, marital status, gender, driving history, how the vehicle is stored, how the vehicle is used, and other factors may also impact premiums.

Typically, comprehensive car insurance features the highest premiums and the most cost. Comprehensive insurance, for example, is generally more expensive than opting for an insurance policy that includes coverage of only third party damage and/or fire and theft. Although premiums are higher, costs are off-set when drivers find themselves in a car accident where they are at fault or face an uncontrollable occurrence. In these cases, especially when there are serious injuries to another person or significant damage to property, costs to the individual could be financially crippling.

When making a claim, the insured driver typically must pay a compulsory excess. This amount is set by individual insurance companies. It is generally applicable when the driver is at fault for the accident. While comprehensive coverage typically requires the insured driver to pay an excess amount, there may be an option to accept a voluntary access at a higher amount than the compulsory excess. This will result in a higher excess in the event of an at-fault incident, but will help keep premiums lower. Choosing an excess that you can afford is important since, in the event of a claim, you will be responsible for paying the full amount.

Click the menu links to read details of other types of car insurance in the UK.