Is It Worth Having Fully Comprehensive Car Insurance?

Last updated on : 14 Mar 2024
3 min read

Driving down the road requires a safety net, and that's where car insurance comes in for every driver. But with so many choices, it can get confusing. One standout option is fully comprehensive car insurance. In this guide, we'll break down what it does, what it covers, any extras you can get, how much it costs, and if it's a good idea to invest in. Let's take a straightforward journey through the world of fully comprehensive car insurance. Fasten your seatbelt for a simple and clear exploration!

What is Fully Comprehensive Car Insurance?

Fully comprehensive car insurance, often referred to as comprehensive insurance, provides the most extensive coverage compared to other types of insurance. It not only covers damage to your vehicle in case of an accident but also protects against theft, fire, and other unforeseen events. It's an all-encompassing policy that includes the benefits of third-party, fire, and theft insurance, making it a robust choice for many drivers.

Coverage Details

Fully comprehensive car insurance typically covers the following:

  • Full repair costs for your car after an accident, regardless of fault.

  • Damage to other vehicles involved in the accident.

  • Fire or flood damage to your car.

  • Theft of your car.

  • Injury to other individuals.

However, it's important to note that even with comprehensive coverage, certain scenarios may not be covered, such as theft due to carelessness, driving under the influence, invalid license use, general wear and tear, driving someone else's car, and allowing an uninsured person to drive your car.

Additional Cover Options

Many insurers offer additional cover options, either included or as add-ons for a fee. These may include:

  • Breakdown cover.

  • Personal injury accident cover.

  • Personal belongings cover.

  • Legal protection.

  • Windscreen cover.

  • Wrong fuel cover.

  • Courtesy car cover.

  • Key replacement cover.

  • No-claims discount protection.

  • Transport home after an accident.

  • Vandalism cover.

Cost Considerations

Contrary to common belief, fully comprehensive car insurance is often not the most expensive option. While the actual cost depends on various factors such as age, driving history, and location, comprehensive policies frequently offer the highest level of coverage at competitive rates. Drivers opting for lower coverage levels may face higher premiums due to increased risk-taking behavior on the road.

Conclusion

Choosing fully comprehensive car insurance provides peace of mind, offering extensive coverage at competitive rates. By understanding the details of this comprehensive option, you can make an informed decision that aligns with your specific driving needs and circumstances.

Frequently Asked Questions 

Comprehensive car insurance is often cheaper because drivers with lower coverage levels are statistically more likely to take risks, leading to increased incidents on the road.

Check your insurance certificate or with your insurer as having fully comprehensive cover may not always extend to driving different cars. Adding a named driver or obtaining temporary car insurance may be necessary.

If the other driver has their own fully comprehensive insurance, it might not cover them to drive your car. Adding a named driver or opting for temporary car insurance can provide cost-effective cover.

There is no difference; both terms refer to the same type of policy.

While young drivers can access the same policies, fully comprehensive insurance is likely more expensive for those under 25 years old.

Disclaimer: Shory aims to present accurate and up to date information, however we take no responsibility or liability for any errors or omissions in the content.