Comprehensive car insurance provides you with the most cover possible in the event of an accident. Should something unfortunate happen with another vehicle, your ‘fully comp’ policy will provide cover for the damage not only to the other vehicle, but to your car too. You are also covered for any injuries that you or the other party sustain, including the passengers in both vehicles. Third-Party, Fire and Theft policies don’t provide cover for you or your car, but will cover the passengers in both vehicles, the driver of the other car, and any damage caused to that car.
Another advantage of fully comp is that when someone hits your car and drives away, you are covered for any damages that are caused. Likewise, if your car is damaged by another vehicle while you have left it parked, you are covered.
Do I really need Comprehensive cover?
The need for Comprehensive cover really depends on what you, the driver, would like and what you want to be prepared for in the future. Some drivers feel more assured with the knowledge that their car is covered, even when they’re not around to protect it.
For example if your car was parked on the street and you were away, you can feel comfortable knowing that you are covered for any damage that may occur in your absence. Other drivers may feel less strongly on this issue and would rather cover the people within the car and any damages that it may cause to other vehicles in an incident.
At the end of the day, only you will know what policy is right for you and what works for you.
Is Fully Comp more expensive?
Unless you are an older driver with a couple of years’ worth of no-claims bonuses, Fully Comp will usually cost you more than other options. It does, however, provide you with a level of cover and peace of mind that you will not get with other policies.
Are there any other benefits to buying Comprehensive insurance?
Quite often extra bonuses can be bundled in with your policy, like breakdown/roadside assistance and windscreen cover.
Additionally, you can pay for other benefits such as loss of key cover, or having the option of a courtesy car when yours is being repaired. It’s also worth remembering that if you have bought a new car on a PCP agreement, you may already be covered for roadside assistance. Don’t forget to check your policy to see what’s included.
Car insurance is not cheap, but buying a policy at the lowest price might not be the best option for you either. Remember that the most important thing is to get cover that you feel works for you.