What does comprehensive car insurance actually cover?
Fully comprehensive cover will generally include the following:
1) Any damage to your own vehicle, including that caused in an accident or maliciously by some other person.
2) Any damage you cause on any other vehicle(s) while you are driving
3) Any injuries you, any passengers or any other driver(s) may suffer, including medical care and possibly compensation.
4) Any damage to your car as a result of a theft or attempted theft.
5) Any damage to your car caused by fire
However, if there was another driver involved in an accident with you, their insurance may cover these, if the accident was their fault.
Some comprehensive policies may cover other things, but will often cost more as a result. Common ‘add-ons’ to comprehensive cover include:
1) Legal protection or legal fees
2) Breakdown cover
3) Windscreen repair or replacement
4) Access to a courtesy car whilst yours is being repaired or replaced