In a nutshell, comprehensive car insurance cover – sometimes known as fully comprehensive cover, pays out if you damage your car, someone else’s car or injure someone in an accident, regardless of who is at fault. Comprehensive car insurance also covers you against fire and theft.
Is comprehensive the same as full coverage?
In most cases when an insurance company, agent, or lender references full coverage auto insurance they typically mean comprehensive and collision plus any other coverages required by your state. On Screen Text: Full coverage auto insurance. Comprehensive + collision + state-required coverages.
What does insurance mean by comprehensive?
Comprehensive insurance coverage is defined as an optional coverage that protects against damage to your vehicle caused by non-collision events that are outside of your control. This includes theft, vandalism, glass and windshield damage, fire, accidents with animals, weather, or other acts of nature.
What is not covered by comprehensive car insurance?
Comprehensive car insurance covers your car, plus damage you cause to other people’s cars or property. It does not cover your liability to pay compensation if you cause injury to another person.
What does fully comprehensive mean on car insurance? – Related Questions
What are the 3 types of car insurance?
3 Types of Auto Coverage Explained
- Liability coverage. Protects you if you cause damage to others and/or their stuff.
- Collision coverage. Covers your car if you hit another car, person or non-moving object (like those darn ornamental rocks cousin Todd has at the end of his driveway). #
- Comprehensive coverage.
What is difference between collision and comprehensive?
Comprehensive coverage protects your vehicle from unexpected damage, such as a tree branch falling on it or hitting an animal, while collision coverage protects against collisions with another vehicle or object.
What is the difference between comprehensive and collision coverage?
Quick take: What’s the difference between comprehensive and collision? Comprehensive provides coverage for events outside your control that are not caused by a collision, like weather, vandalism and theft. Collision coverage is for damage resulting from an accident with another vehicle or object.
Can I drive someone else’s car with comprehensive insurance?
As we’ve seen, driving other cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.
Can you drive another car with comprehensive insurance?
No. There was a time when many fully-comp policies automatically gave you third-party insurance to drive any car, but those days have gone. So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law.
Can I drive my parents car without insurance?
Can I drive my parents’ car without insurance? No, you’ll need at least third party car insurance if you want to drive your parents’ car.
Does comprehensive insurance cover breakdown?
While comprehensive cover may provide everything you need, bear in mind that there are additional features and benefits that may not be included with your policy including breakdown cover, legal cover or courtesy cars.
What insurance do I need to drive someone else’s car?
The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. Driving other cars cover is usually only available on a comprehensive car insurance policy, so if you have third party (or third party, fire & theft) cover, you won’t be covered to drive any other cars.
Can you have 2 main drivers on car insurance?
You can’t take out a car insurance policy as joint policyholders with someone else – there’s no such thing as joint car insurance, even for married couples.
Can I insure myself to drive any car?
In short, the answer to the question ‘can you insure yourself to drive any car? ‘ is yes, and the simplest way to make sure everything you need from your policy is covered is to call your insurer and talk them through your requirements.
Can I be the main driver on 2 cars?
You can be the main driver of more than one car. But insurance companies will often question it to check for fronting.
What does fronting mean in insurance?
What is car insurance fronting? Fronting is a type of car insurance fraud where a more experienced driver claims to be the main driver of a car, when in fact they’re not. People do this as a way to get cheaper car insurance, often for their children.
Does adding another driver lower insurance?
Adding a named driver often makes the premiums cheaper. This is because, since the car is shared, it’s assumed you’ll spend less time driving. This reduces the probability of you having an accident and making a claim, which is reflected in cheaper car insurance quotes.
What happens if named driver has accident?
If a named driver has an accident, the main driver or policyholder will need to make a claim on the policy and this will affect their no claims discount. If a named driver on your policy has an accident the claim will be against your policy even if you are nowhere near the car or accident itself.
Who is the main driver on car insurance?
The main driver (or vehicle policyholder) is the person who drives the vehicle most often and earns no claims discount.
Should I claim through my car insurance or theirs?
If you have a comprehensive policy you should claim from your own insurer, but you may lose your no claims bonus if the insurer can’t recover the money from the other driver’s insurer. You can still claim from the other driver’s insurer for any injuries or losses not covered by your own policy.