What is fully comprehensive motor insurance?

When it comes to insuring your vehicle, you can never be too careful with the cover you choose.  

Fully comprehensive motor insurance is just one type of car insurance policy on the market, but it’s usually considered the most popular type of coverage since it provides protection against a wide range of incidents. 

In this article, we’ll break down the key features of fully comprehensive motor insurance, explore any potential restrictions, and explain why it might be the right choice for you. 

Continue reading or click on the links below to jump to a relevant section: 

• What is fully comprehensive motor insurance? 
• What restrictions might you encounter? 
• What are the benefits compared to other policies? 
• Who would benefit most from fully comprehensive motor insurance? 
• Where can I buy a policy? 

What is fully comprehensive motor insurance? 

Fully comprehensive insurance is the highest level of car insurance coverage available. It provides protection not only for third-party damage but also for your own vehicle, regardless of whether you are at fault in an accident.  

In addition to covering any damages caused to others, it also includes repair or replacement costs for your car, even if the accident is your fault.  

Here are some of the core components that are typically covered: 

• Damage to your own vehicle: Whether you’re at fault in an accident or not, this policy covers repairs or the replacement of your vehicle. 
• Third-party liability: If you damage another person’s vehicle, property, or cause injury, your insurance will cover their costs. 
• Fire and theft: If your vehicle is stolen or damaged by fire, comprehensive insurance has you covered. 
• Accidental damage: This includes damages resulting from incidents like hitting a wall or object, even if you are the only vehicle involved. 
• Vandalism: Acts of vandalism or malicious damage to your car are also included. 
• Windscreen cover: Many fully comprehensive policies include protection for damages to your windscreen or windows. 
• Personal injury: Some policies cover the medical expenses if you or your passengers are injured in an accident. 

Additionally, some insurers offer optional add-ons, such as roadside assistance, a courtesy car during repairs, or legal cover. 

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Also see: What does fully comprehensive insurance cover?

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What restrictions might you encounter? 

While fully comprehensive motor insurance offers extensive protection, as with any type of insurance policy, there are some restrictions and exclusions to be aware of: 

• Driver behaviour exclusions: If you drive under the influence of alcohol or drugs, or without a valid license, your policy will not cover any resulting damages or liabilities. 
• High-risk drivers or vehicles: Drivers with a history of accidents or certain high-performance cars may face higher premiums, and in some cases, certain incidents might not be fully covered. 
• International driving limits: If you frequently drive abroad, your fully comprehensive policy may not offer the same coverage outside your home country, or you may need additional insurance for overseas driving. 
• Usage limitations: Policies may not cover your vehicle if it is used for business or commercial purposes unless specifically stated. 

To make sure you know what you’re covered for, always make sure to read the terms and conditions of the policy to ensure there are no unexpected exclusions that could leave you exposed. 

What are the benefits compared to other policies? 

Fully comprehensive insurance provides a wide range of benefits that go beyond the coverage offered by standard third-party policies. It not only protects against damages caused to other vehicles or property, but also covers your own vehicle, regardless of fault.  

• Higher protection: Unlike third-party policies, which only cover damages to others, comprehensive insurance covers your vehicle as well. This can be crucial in at-fault accidents where you need to repair or replace your car. 
• Flexibility: With optional add-ons, you can customize your policy to suit your needs, such as adding breakdown cover or legal expenses. 
• Peace of mind: Knowing that both your car and any potential third-party damages are covered can provide peace of mind, especially if you rely on your vehicle daily. 

In short, fully comprehensive insurance offers the broadest level of protection, making it a safer option for many drivers. 

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Also see: What’s the difference between comprehensive and third party car insurance?

Who would benefit most from fully comprehensive motor insurance? 

Fully comprehensive insurance is suitable for a wide range of drivers, but it’s particularly beneficial if you fall into a particular category, such as: 

• Owners of expensive or new vehicles: If you’ve invested in a new or high-end car, fully comprehensive insurance protects your asset from a wide range of risks, from accidents to theft or fire. 
• Frequent drivers: If you’re often on the road, the risk of accidents increases. Fully comprehensive insurance ensures that any damage to your vehicle, regardless of fault, is covered. 
• Those seeking peace of mind: If you value a policy that covers nearly all eventualities, including accidental damage, fully comprehensive insurance provides the most security. 

It’s also a great choice for drivers who want flexibility and the ability to tailor their coverage with optional extras. 

Where can I buy a policy? 

Buying fully comprehensive motor insurance is straightforward, with many options available from well-known insurers, comparison sites and brokers. 

Here are a few steps to help you choose the right policy: 

• Compare insurers: Use online comparison tools to evaluate different insurers, checking the cost, coverage, and optional extras. 
• Read the fine print: Make sure to review the policy details thoroughly, particularly for any exclusions or limitations that may affect your coverage. 
• Consider your needs: Whether you need added protection like breakdown cover or a courtesy car, make sure your policy includes the features you find most important. 

Fully comprehensive motor insurance offers the most protection and flexibility, making it the best choice for many drivers. If you’re unsure where to start, consider browsing comparison sites to find the right policy for your needs at a competitive price.