Fully comprehensive insurance covers the driver fully for accident, damage, theft or injury. As with all types of car insurance cover, it offers the basic form of insurance that is a legal requirement with the addition of extra cover over and above third party.
This form of insurance is the most expensive but it covers your car for accidental damage, personal injury, loss of personal effects and fully guarantees any work done on your vehicle in the event of it being repaired.
The appeal with having fully comprehensive insurance cover is that it offers peace of mind to the driver. The cover depends on the policy and the insurance company supplying it but it may include extras such as use of a courtesy car whilst your car is being repaired.
If the car is brand new it may be an essential form of cover as the loss may be too great to be covered by a third party policy. The cover may also extend to replacing the vehicle in the case of damage that makes the car unable to be repaired if involved in a serious accident.
Some types of hire purchase agreement may insist upon fully comprehensive insurance cover. This is to protect the person taking out the finance agreement from having to replace the vehicle at their own cost in the case of theft or an accident.
When deciding upon insurance for your vehicle it is best to read the policy information very carefully to ensure the cover is adequate for your motoring needs. Insurance policies do vary in the case of additional elements of cover so it is wise to be aware of what has been included.
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