Comprehensive Car Insurance

Comprehensive Car Insurance - All Risks Cover

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Comprehensive Car Insurance - All Risks Cover

What does a comprehensive car insurance policy cover?

Comprehensive car insurance gives you ‘all risks’ cover for your car. What this means in the simplest terms is that you can claim for any damaged caused to your car whatever. Apart from, of course, those exclusions that you’ll find should you look at the small print with a magnifying glass.

Despite these small exclusions, more of which later, comprehensive still means comprehensive. You’ll probably know that you can claim for the damage caused by an accident to your car, but did you know that you there are some particularly surprising claims that you can make.

You can claim for paint stripper poured over your car by local thugs, things falling off lorries and hitting your car and damage caused to your tyres caused by a high kerb that you drove over. Comprehensive cover can help you should your car be damaged by almost any fortuitous event.

In addition to all this, there is the windscreen extension. Whilst some third party fire and theft policies will allow you to add this on in return for an extra premium, comprehensive cover has this included. Your insurer will have a deal with a specialist glass firm, and assuming you go there, you will pay only the excess, which is normally less than the excess on other damage in your policy (usually about £50). Should you get a small chip or crack, you can get it repaired for nothing with no excess.

You should understand, however, that no policy will ever cover you for every single thing. ‘Comprehensive’ and ‘all risks’ can be misleading and give a false impression. On almost every policy, you will find exclusions relating to your excess, loss of use, electrical and mechanical breakdowns.

Your excess must be paid no matter who is to blame to the loss, accident or damage You have to pay it because you have entered in to a legal contract where you have agreed to pay the first few pounds of each claim. Should you not be at fault, you will be able to claim it back eventually from the at fault person’s insurance company.

‘Loss of use’ refers to what happens should you not be able to use your car. Do you get a hire or courtesy car?

Your insurer won’t pay for normal maintenance, wear and tear or servicing for your car. So if your car is getting repaired, your insurer will insist that you need to be charged should they be replacing parts that would normally be replaced during the life of a car (eg, tyres, exhaust). Likewise, you can’t expect to be covered for mechanical or electrical faults as a motor policy isn’t protecting you from maintenance costs for your car.

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