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What is comprehensive car insurance? Comprehensive car insurance is an optional component of your car insurance policy, offering extensive protection against damages. From natural disasters to theft, comprehensive insurance provides coverage for a myriad of situations that can lead to significant damage to your vehicle.
Understanding comprehensive insurance
Comprehensive car insurance cover is an optional part of car insurance that covers damage to your car caused by incidents. For instance, if your vehicle is damaged due to theft, fire, hail, or an encounter with an animal, comprehensive insurance steps in to cover the costs.
What does a comprehensive car insurance policy cover
Cover for loss or damage to your car caused by accidental or malicious damage, fire, theft or attempted theft, or vandalism
Damage to glass
If your vehicle is involved in an accident caused by an uninsured motorist, any excess you have to pay will be refunded
Contribution of up to £300 per claim towards the cost of replacing a child’s car seat
Comprehensive car insurance things to know
Loss or damage resulting from incorrectly maintaining or fuelling the car is not covered
There is no cover for theft if the keys are left in or on the car while it is left unattended
Driving other cars cover only applies if shown on your certificate of motor insurance
Comprehensive insurance coverage
The coverage offered by comprehensive insurance is extensive, safeguarding you from numerous unexpected incidents. The following are some of the situations where comprehensive coverage can come into play:
Theft of the vehicle
Vandalism
Damage from fire
Weather-related damages, including floods and hail
Animal-related damages, such as hitting a deer
Car insurance considerations
Car insurance is a legal requirement for all drivers. Your premium will depend on a variety of factors, including your age, driving history, and the type of car you’re insuring.
If you’re ready to explore your car insurance options, get covered today with Budget insurance!
Budget’s comprehensive car insurance features and benefits :
Total excess
Courtesy car cover
Drive other vehicles
Windscreen cover
Uninsured driver promise
Medical expenses
Emergency transport
Personal belongings cover
Child seat cover
Replacement locks
Audio equipment cover
Personal accident benefits
Advantages and disadvantages
This type of coverage goes beyond the basic third party insurance and provides a wide range of advantages that can give you peace of mind on the road.
One of the main advantages is that it covers damages to your car caused by accidents, theft, vandalism, or natural disasters. Whether you accidentally hit a pole, have your car stolen, or your windshield gets shattered by a hailstorm, a comprehensive car insurance policy will have you covered. This means that you won’t have to worry about the financial burden of repairing or replacing your vehicle in case of unforeseen events.
Another advantage of comprehensive car insurance is that it includes coverage for personal belongings inside your vehicle. So if your laptop or other valuable items are stolen from your car, you can file a claim and get reimbursed for their value. Without comprehensive insurance, you would be left to cover the expenses yourself.
Comprehensive car insurance offers numerous advantages that go beyond basic liability coverage. From protecting against damages caused by accidents or theft to providing coverage for personal belongings and medical expenses, this type of insurance provides peace of mind and financial protection in various situations.
Comprehensive insurance: Cost factors
Several factors can influence the cost of your comprehensive insurance premium. These include your driving history, the make and model of your vehicle, and the chosen excess amount. Generally, if you choose a higher excess, your insurance cost would be lower, and vice versa.
Comprehensive cover
Comprehensive car insurance provides valuable protection against a range of non-collision events that can cause significant damage to your vehicle. While it’s an optional coverage, it can be particularly beneficial if you live in a high-risk area or if your vehicle is new or high-value. Remember to weigh the potential repair costs against the premium and excess amounts before deciding on comprehensive coverage.
Frequently asked questions
Can I get fully comprehensive cover as a new driver?
As a new driver, it is absolutely possible for you to get comprehensive cover. In fact, comprehensive coverage is highly recommended, especially for new drivers who are still getting used to the roads. While it may come at a slightly higher cost compared to basic coverage, the benefits are well worth it.
So, whether you’re a new driver or have years of experience behind the wheel, comprehensive car insurance is a smart choice to protect yourself and your vehicle.
Does comprehensive mean you can drive any car?
Comprehensive car insurance is a type of coverage that protects you against a wide range of risks, such as theft, vandalism, and damage caused by natural disasters. However, it does not necessarily mean that you can drive any car without any restrictions.
Most comprehensive car insurance policies only cover the specific vehicle that is listed on the policy. If you want to drive another car that is not insured under your policy, you may need to add it as an additional vehicle or obtain a separate policy for that specific car.
Can my car insurance provider cancel my car insurance policy?
Yes, it is possible for your car insurance company to cancel your car insurance policy. While it may not happen often, there are certain circumstances that can lead to the cancellation of your policy. For example, if you fail to pay your premiums on time, your insurance provider may choose to cancel your policy.
Additionally, if you provide false or misleading information on your application, your insurer may have grounds to cancel your coverage. It is important to carefully review the terms and conditions of your policy to understand what actions could potentially result in cancellation.
What is breakdown cover?
Breakdown cover is a type of insurance that provides assistance when your vehicle breaks down. It is designed to give you peace of mind and protect you from unexpected expenses that can arise from being stranded on the side of the road.
When you have breakdown cover, you can call a helpline and a trained professional will be dispatched to your location to help get your vehicle back on the road. This can include anything from jump-starting a dead battery to towing your car to a nearby garage for repairs. Breakdown cover is essential for anyone who relies on their vehicle and wants to avoid the stress and inconvenience of being stranded.
What is third party car insurance?
Third party cover refers to an insurance policy that protects the insured against any claims made by a third party due to damage or injury caused by the insured. It is a legal requirement in the UK.
Third party cover ensures that if you are involved in an accident and you are at fault, any damages or injuries caused to the other party will be covered by your insurance.
It provides financial protection and peace of mind knowing that you won’t have to bear the expenses of someone else’s losses. While third party cover is a basic form of insurance, it is essential to have in order to comply with legal obligations and protect yourself financially.
How much does comprehensive car insurance cost?
When it comes to comprehensive car insurance, the cost can vary depending on a range of factors. These factors include the make and model of your car, your age, driving history, and even where you live.
While it’s difficult to provide an exact figure without knowing these details, it’s important to note that comprehensive car insurance tends to be more expensive than basic insurance options.
To get an accurate idea of how much comprehensive car insurance will cost you, it’s best to reach out to multiple insurance providers and request quotes tailored to your specific circumstances.