Fully Comprehensive Car Insurance
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In an ideal world, everyone would take out a fully comprehensive car insurance policy. As the name implies, it provides drivers with total protection while out driving. If you’re confident on the road, but wish to be safeguarded against eventualities, then you should get a fully comprehensive car cover
Unfortunately, a fully comprehensive cover can appear too out of the price range of some. It’s true – it is oftentimes the most expensive car insurance type available, but not always.
Here at Utility Saving Expert, we aim to make this not the case for as many drivers as we can. Use our price comparison tool to compare fully comprehensive policies from over 100 trusted insurance providers.
What is fully comprehensive insurance?
Fully comprehensive car cover may be the most expensive level of cover, but it is also the best value for money. This is because it essentially combines the main elements of the other main car insurance types – third-party car insurance and third-party fire and theft. Specifically, this policy type covers a whole host of things, including:
This is the bare minimum requirement for all drivers, and it’s a given that it’s included in fully comprehensive car insurance. Not only does this covers you against any damage that you cause to another car or driver on the road, but it also to private property.
Damage to your car
Fully comprehensive cover safeguards your car against any damages sustained, both on-road and off. That means that it not only covers you in the event of a crash but also against damages received while parked, as well as fire and theft.
Personal and passenger accidents cover
The car insurance providers will pay out if you find yourself or a passenger in your vehicle in a serious or fatal accident. Fully-comp is the only insurance type that will compensate you for injuries.
Do I need fully comprehensive insurance?
You technically don’t need fully comprehensive car insurance, as the legal minimum is the third-party cover. But, with all the benefits listed above, why wouldn’t you opt for comprehensive cover? The road is unpredictable, and even the most experienced drivers can find themselves involved in an accident.
If you were faced with personal injury claims or had to pay for damages caused to your own or somebody else’s car, you’d end up forking out more than you would ever spend on fully comprehensive car insurance. Fully comprehensive may not be necessary, but it is certainly strongly recommended to all frequent drivers.
Plus, fully comprehensive is not what it used to be in terms of price. In some recent instances, the fully comprehensive cover has been cheaper than even the likes of third-party cover. This is due to the number of high-risk drivers that would take out third-party cover and invariably make the most claims.
What does fully comprehensive cover?
Comprehensive car insurance covers everything that other third-party policies do, except with several additions. The main highlights of comprehensive car insurance are that it will cover the cost of damages sustained by your vehicle in a crash as well as personal injuries.
It also protects you against fire, theft, breakdown, and courtesy car cover.
What does fully comprehensive insurance not cover?
Fully comprehensive, despite its title, does not cover everything. Certain things are down to the driver’s negligence, and it is perfectly within the rights of the insurance company to reject claims made. The main claims that insurance providers won’t pay out for include:
- Claims that are made detailing instances when the driver was under the influence of alcohol or drugs.
- Negligence that results in the theft of the car, i.e., leaving the doors unlocked with valuables displayed on the dashboard.
- Using an out-of-date or otherwise invalid driving license.
- Using fully comprehensive car insurance to drive someone else’s car. Fully comprehensive only covers you in your registered vehicle. You’ll need temporary car insurance or to be added as a ‘named driver’ for using someone else’s car.
- Standard wear and tear. Insurance providers won’t pay out if you’ve let your car fall into disrepair. Insurance won’t cover the cost of damages if it’s clear you don’t maintain your vehicle well.
- Wrong fuel cover. Although some car insurance companies may include this in their standard comprehensive policies, the majority don’t.
Additional coverage for fully comprehensive car insurance
Clearly, despite being called ‘comprehensive’, there are certain areas of cover that are left out of standard quotes. If you want to make your comprehensive policy to insure you more broadly, there are several add-ons that you can look out for when comparing quotes. Some of these will come as part of the standard insurance cost, while others may cost more.
The main add-ons to look out for include:
A lot of comprehensive car insurance policies will only cover the cost of your car if it is stolen, not the contents kept inside. Get personal belongings cover to safeguard the valuables that regularly travel in the car with you.
Should you find yourself in a breakdown, a breakdown cover add-on will cover the cost of roadside assistance.
Motor legal protection
If someone takes legal action against you over a crash that wasn’t your fault, motor legal protection will take care of the legal costs.
Courtesy car cover
If your car is broken down, a fully comprehensive cover will cover the cost of your courtesy car.
Car key insurance
Car keys cost a lot to replace, especially on modern cars. With car key insurance, you’ll never have to worry about a lost key again. Insurance companies offering this add-on will likely both replace your car key and configure it.
Windscreen repair is a good bonus as it provides cover should your windshield get cracked, chipped, or otherwise damaged.
It’s possible to get extra cover in your comprehensive car insurance deal to safeguard you against accidentally filling up your car with the wrong fuel.
If you discover the paintwork on your car door has been scratched by deliberate vandalism, this add-on will cover the cost to get it repaired.
Child seat cover
This add-on will replace your child’s seat if it gets damaged in an accident.
How much does fully comprehensive insurance cost?
According to the Association of British Insurance (ABI), the average cost of comprehensive car insurance during the last quarter of 2021 was £440. However, the annual car insurance fee depends on several factors, including:
- Your occupation
- Your age (comprehensive car insurance is, of course, more expensive for young drivers aged between 17 and 25)
- The age and value of your car
- Your claims history
- Road convictions history
- How often you drive
- Your location (i.e., in the city or the countryside)
How to reduce the cost of your fully comprehensive insurance
Although fully comprehensive car insurance may no longer be the most expensive option, it’s still a good idea to make as many changes as possible to get the best deal on your premium. Here are some easy ways you can reduce the cost of your fully comprehensive car insurance:
Make your car secure
If you can prove to the insurance provider that you’re willing to take all the necessary steps to reduce the risk of theft, your car insurance premium may be cheaper. If your car doesn’t have it already, make sure you’ve got an alarm and engine immobiliser. Having GPS tracking installed will also allow you to easier find your vehicle if it ever gets stolen.
Park in a garage
You may have to pay high premiums if you park your car on the roadside every night. If you can prove to the insurer that you primarily use a drive or a garage, you may get a reduction in your insurance costs.
Pay for your premium annually
Paying annually saves you money on monthly fees. Plus, paying off your insurance company in one lump sum means you don’t have to worry about it for the rest of the year.
Don’t claim over minor things
Always have your no-claims discount in mind. If you’re thinking of making a claim about something insignificant – don’t! Build up a no-claims bonus and receive a bigger discount further along the line.
Take out black box insurance
A black box allows the insurance company to determine how good at driving you are. If they deem you a cautious driver, then they’ll likely reduce the cost of your premium.
Drive a smaller car
Size is a factor insurance providers consider when it comes to determining premium prices. The smaller the car, the cheaper the cost of insurance.
Offer to pay a higher excess
The more money you’re willing to put towards the excess, the more the insurance company will trust you not to make minor claims.
Compare comprehensive car insurance policies today
If you’re feeling overwhelmed by the amount of comprehensive car insurance policies available online, use Utility Saving Expert’s handy price comparison tool to get the best deal for you. Tell us about your specific needs and budget, and we’ll be able to narrow down the options to a simple and comprehensive list.
*51% of consumers could save £319.03 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from March 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
No, only you can drive your car under fully comprehensive car insurance. You could add additional drivers as ‘named drivers’ to your insurance policy, which would permit them to drive your car.
You cannot drive someone else’s car with a standard comprehensive car insurance policy. Some insurance providers may permit this but will only provide you with third-party insurance when driving your peer’s car.
Comprehensive car cover is useful to all drivers on the road, except those that drive a car that is worth less than the price of the insurance. Those that can’t afford it and others who drive infrequently may also find it pointless to keep paying for their comprehensive cover.