Comprehensive Car Insurance

 

What does it actually mean?

Comprehensive car insurance will provide you with more cover than third party insurance, but cover will vary based on the insurer and whether they offer more than one comprehensive product. Understanding exactly what might and might not be covered, as well as if it’s the right cover for you, can be difficult.

Comprehensive cover means that in the event of an accident, no matter whose fault it was, your insurer will pay out for injuries caused to you and the other driver, as well as damage caused to the vehicles involved. Your car is also insured against fire and theft and some policies will provide cover for injury to passengers too. Some policies also include cover for personal property left in the car, but this may be subject to limits.

Call for assistance after breakdown

What are the benefits to having comprehensive car insurance?

Individual policy covers will vary from insurer to insurer, so be sure to check the small print first. Generally speaking, most comprehensive car insurance policies include:

  • Accidental damage to your car
  • The cost of receiving a courtesy car, if you use an approved repairer
  • Vandalism
  • Windscreen damage
  • Loss or theft of keys
  • Vehicle recovery following an accident
Coins and notes

Is it more expensive than regular insurance?

Not necessarily. Buying comprehensive car insurance is sometimes cheaper, or only a little more expensive, than third party insurance. It’s worth comparing comprehensive and third party quotes from a number of insurers, and remember to consider the excess you’ll have to pay if you have to make a claim too.

Does installing a black box have a positive impact on comprehensive insurance?

If you’re a careful driver, a black box can make your car insurance cheaper.

A black box, also called a telematics box, is a device that can be attached to your car which uses GPS technology to judge how safe your driving is. Typically it will measure things like the number of miles you drive, the types of roads you use, your speed, and braking patterns. The insurer will use this information, along with factors like your age and occupation, to decide how much your policy will cost.

Friends in car

Can I drive my friend’s car?

Comprehensive car insurance policies sometimes include Driving Other Cars (DOC) cover, which insures you to drive someone else’s car in an emergency, as long as you have their permission.

Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. If you’re still unsure then contact your insurer who will be able to provide the answer.

It’s also worth checking if there are any restrictions that could apply to you, for example many policies will only offer DOC cover to drivers aged 25 and over.

Is a named driver comprehensive?

You can include someone else as a named driver on your car insurance policy, which covers them to drive your car. This will give them the same level of cover as the policy holder. As the policy holder, you must contact your insurer to add another person to your insurance as a named driver.

It’s worth noting that you should only ever include a named driver on your policy if they are not the main driver of your car. If you are the main driver but get someone else to claim that they are, this is called fronting and is not allowed.  For example, if a young person were to put their parent down as the main driver in order to get a cheaper premium, then their policy could be cancelled and they could be prosecuted for fraud.

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Published: 29th March 2016

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