What is fully comprehensive car insurance?
Fully comprehensive car insurance is the best type of car insurance policy in terms of cover for your car or van and gives you the right to make a claim on almost any circumstance on damages to your car.
This type of policy is the most expensive but many online insurance companies are now offering good bonus deals attached to this policy type. Such as courtesy car, hotel accommodation compensation and reduced fee or even free breakdown recovery membership schemes.
- Fully comprehensive allows you to claim for damage to your vehicle caused by vandalism, fire, theft and accidental damage not resulting from an accident
- Often included in comprehensive insurance is extra benefits like windscreen cover. A small charge of £50 is often required but this type of claim does not affect your no-claims bonus.
- Some of the high end fully comp. policies allow you to drive other peoples cars.
- Excess charges allows apply even on a fully comprehensive policy (even if the accident wasn’t your fault). However you can claim the excess back from the other persons insurance company.
- If your car is unavailable for a considerable amount of time due to being repaired then some car insurers will offer car hire - check your policy for details on this.
- Check your policy for damage to internal equipment. DVD players, stereos, CD changers etc are not typically covered by online car insurers.
The fully comprehensive car insurance policy is ideal for those who want total peace of mind. There are details to watch for though and it is always best to check with your online company or broker any queries you may have in relation to this type of cover.
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