Fully Comprehensive
Comprehensive car insurance or ‘Fully Comp’ as it is usually known, is the car insurance option that provides total peace of mind.
Cover includes all the benefits of third party fire and theft, plus it pays out for damage to your own vehicle, regardless of who caused the accident.
Also incorporated in Fully Comprehensive insurance is damage to, or loss of, personal effects in the car.
What is Included in Fully Comp Cover
Fully Comprehensive cover typically includes:
- Protection, regardless of who is at fault for an accident
- Liability for injury to others, including your passengers and the passengers of other drivers
- Liability for damage to other people’s vehicles and property
- Liability for accidents caused by your passengers
- Liability for damage or injury arising from a trailer or caravan being attached to the car
- Cover if your car is stolen
- Cover if your car is set on fire
- Cover for damage to, or loss of, personal effects in the car
If your policy also includes DOC cover - insurance protection for driving other cars not owned by other people - it generally provides Third Party Only cover, so you should check your policy document.
Compare Car Insurance
Some companies provide Fully Comprehensive car insurance cover with added extras so, as well as noting the price of every car insurance quote, it’s worth comparing what different companies have to offer and the value of these features to you.
For example, if you have a family you’ll probably like the sound of cover that includes your child seats being automatically replaced if your car is involved in an accident, whereas it won’t be so attractive to drivers without a young family.
Other such extras will appeal to everyone. Such as the provision of money towards an overnight stay in a hotel for you and your passengers if necessary following an accident away from home, and compensation if you are a victim of a physical assault in a car-jacking incident or road-rage incident.
Another benefit well worth having is the protection of any no claims discount should you have to claim on your own car insurance following a bump with an identified uninsured driver (recent reports suggest that as many as 1 in 20 drivers on the road have no insurance)
So if you decide that the most appropriate level of cover for your needs is Fully Comprehensive, remember that not all companies offer precisely the same package and it’s worth checking out what different insurers have to offer by comparing car insurance – and thecomparisons.com is the perfect place to do that!
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