Comprehensive Cover

Comprehensive cover is the fullest level of cover that you can get for your car and any damages and injuries arising from it. It usually gives you ‘all risks’ protection but comprehensive policies differ a lot from provider to provider, so it’s advisable to check the policy details. Some insurance policies cover accidental and windscreen damage, personal belongings and audio equipments or a courtesy car, but others keep premiums low by sticking to the basics. Comprehensive cover is recommended for cars over £1000 in value and is essential for cars worth over £5000. New cars bought on finance have to have fully comprehensive insurance. Usually it covers:

* injuries to other people, including passengers

* damage to other people's property

* accidents caused by your passengers

* liability arising from the use of a caravan or trailer, while attached to the car

* fire damage and / or theft of your vehicle

* accidental damage to your own car

* personal accident benefit - certain amounts are paid in the event of the death or permanent disablement of the policyholder (and sometimes his or her spouse or family member)

* medical expenses necessarily incurred, up to a stated limit

* loss of or damage to personal belongings in the insured car, up to a stated limit

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