Comprehensive Car Insurance is complete auto insurance, it will cover you the most out of any of the car insurance types on the market.
You’ll be covered for:
- Damage to your own Car
- Damage to other Cars
- Theft
- Fire
- Damage to Third Party Properties (up to the insurers Limit)
- Injury to Persons is covered by Green Slip Insurance or TAC
Any Damage to your own Car will only be covered up to the value that you’re insured for (which is normally based on the value of your vehicle).
Having Comprehensive Insurance for a number of years allows you to build up a No Claims Discount. This discount rewards your with cheaper premiums for not claiming on the insurance & being a safe driver.
Comprehensive Insurance also comes with extras, which, depending on the company you insure with will vary. This will include things like Windscreen Cover, No Claims Discount Protection, Hire Car Cover & Breakdown Cover.
Who might benefit from Comprehensive Car Insurance?
- If you lease or rent your car the company who finances it may require Comprehensive Insurance.
- Owners of brand new Cars or Expensive cars which are more expensive to replace.