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Glossary
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fully comprehensive car insurance
What is Fully Comprehensive Car Insurance?

Unlike other forms of car insurance (such as third party insurance and fire and theft insurance) a fully comprehensive car insurance policy will give you complete insurance cover. Other policies may only give you cover against accidents, fire and theft—a fully comprehensive car insurance policy will also cover you for any other kind of damage to your vehicle as well as a range of other features.

Not all fully comprehensive car insurance policies will offer the same features and they may all have different exclusions (incidences when you will not be given insurance cover) but most of these kinds of policies will insure you against:

  • Accidents;

  • Fire;

  • Theft;

  • Vandalism;

  • Accidental damage (i.e. damage that results from something other than an accident).

Other features that are often offered by fully comprehensive car insurance policies include windscreen and glass cover. This feature will replace cracked and broken windscreens and windows. Some policies will also offer courtesy car options and breakdown services (although bear in mind that some policies will charge an additional fee if you need to use this kind of feature). Other fully comprehensive car insurance options often found here include cover for driving in another country (this may be given as a set number of days a year), insurance if you are driving another person's car, as well as personal belongings and audio equipment cover.

Do bear in mind that fully comprehensive car insurance policies will differ from insurer to insurer. Some will offer a full range of features and benefits whilst some will simply tack one or two on to the standard cover given. And, in most cases, the more fully comprehensive car insurance features you get, the more your insurance premium will cost, so try not to take out a policy that is full of features that you will never use (or that will cost you extra if you have to make a claim) as you'll be paying out for no return!

It's also worth looking at the fully comprehensive car insurance features that you will need in the policy's terms and conditions to make sure that you are given adequate cover for your needs. For example, some insurers will offer audio equipment cover as part of this kind of insurance policy. But, the cover given (once the excess is brought into the equation) may not actually be that much. This is especially the case if you have installed your own sound system; if you have valuable audio systems in place, then you may need to pay extra or take out a separate policy to cover them fully.

Another thing worth checking with any fully comprehensive car insurance policy is the exclusions that the insurer sets into the policy. Exclusions are instances when the insurer does NOT have to pay out on a claim. So, if your fully comprehensive car insurance policy does not cover a specific incident (such as an electrical problem) then you won't be able to claim on your policy if this occurs. So, read the small print! This way you really will be able to get fully comprehensive car insurance cover

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