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Comprehensive Car Insurance Explained With Full Details
What is comprehensive car insurance?
Comprehensive car insurance also known as fully comp cover is the one of the higher levels of protection you can get for your motor. Third party only and third party fire and theft policies cover damage to other as the result of an accident that was deemed your fault any damage to your own car is your own problem.
Comprehensive car insurance policies is the other hand cover for damage your car as well.
Why should i consider upgrading to comprehensive cover?
With comprehensive car insurance you can claim from your insurer for an accident that are deemed to your fault.
It also applies when fault can’t be proven eg if you return to your car after shopping to find that someone has hit you and driven off.
Without comprehensive cover you risk having to fork out for repairs yourself. Worse still if your car is written off you will have to pay for a brand new motor.
A Comprehensive policies give you that added level of protection and piece of mind that you won’t necessarily have to pay for expense repairs.
Is comprehensive insurance is more expensive that other policies?
You did be forgiven for thinking that a comprehensive policy is always more expensive that third party policy or third party fire, theft.
This is usually the case but not always so when comparing policies its worth looking at the difference in price between comprehensive and third party policies.
It’s lot of high risk drivers tend to go for third party cover as a way of lowering their insurance costs.
Where Comprehensive cover could fall short.
Despite its name a comprehensive insurance policy may fall short in some areas. Certain policy extras may come as standard with some insurer whereas other might charge you for the privilege.
It’s always best to check the policy details before you buy don’t assume that you will be entitled to all the bells.
Courtesy Car: Many insurers let you use an other car while your car is being repair but not all of them it’s also worth nothing that courtesy car usually are not provided when if your car is written of.
Other ways to save on your car insurance
Car insurance often is not cheap this is true but going for a lower level of cover just to save money might be a false economy.
Having a minimum level of cover means that you might end up paying out more in the long run especially if you are involved in an accident where the fault is your or can’t be determined.
If saving money is your main concern there is the number of many other ways of Car Insurance Guide.
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