Comprehensive Car Insurance: How, What and Why?

Comprehensive Car Insurance: How, What and Why?

Comprehensive car insurance is a complete vehicle insurance policy designed to meet your unique requirements.

Are you thinking of purchasing a new car? If so, you know that you need to purchase some form f insurance cover to protect you from paying for costly repairs to your vehicle. Do you need comprehensive car insurance, or are you only interested in insurance which covers accident damage to the other vehicles should you cause the accident? What is comprehensive vehicle insurance? Why do you need it?

Comprehensive vehicle insurance: why?

When you are researching whether to purchase a comprehensive vehicle insurance policy, there are a couple of questions that need to be answered:

Did you take out a bank loan to purchase your vehicle?

If so, does the bank require you to take out a fully comprehensive policy? Most banks insist that you fully insure your vehicle; thereby, guaranteeing that they will get their money back in the event of theft or any other type of loss.

Is your vehicle fully paid for?

Once you have paid off your car, or paid cash for your vehicle, then you do not require a fully comprehensive policy. However, it is a good idea to purchase one as you might have to pay for costly repairs to the vehicle, or even replace the vehicle.

Comprehensive car insurance: how and what?


Comprehensive car insurance provides complete cover for most types of damage to your motor vehicle. It includes theft, fire, accident damage, vandalism, natural disasters, falling objects, animal damage, and damage caused by civil disturbances. It also covers the other vehicles that are involved in an accident if the accident was caused by the driver of your vehicle.

There are different comprehensive vehicle insurance policies which are underwritten by different insurance companies; consequently, each policy offers various combinations of the above mentioned types of damages. For example, complete protection QBE comprehensive car insurance of Warranty and Insurance offers their clients accidental damage, theft, attempted theft, and vandalism.

In other words, if your vehicle is involved in an accident, it does not matter who or what was the cause of the collision, or whether the other driver is not insured and the accident is your fault, they will pay for the damage to the vehicles.

One of the best ways to determine what benefits a policy contains is to apply for a full detail Just Car comprehensive car insurance quote from Warranty and Insurance. Once you have received the quotation documents, read through the entire document carefully before you sign anything.

It’s critical to read the fine print to make sure that you understand under what circumstances the insurance will entertain your claim, what the co-payments are, if any, and what the terms and conditions entail. It’s very easy to skip the fine print simply because its too difficult to read, thus, more than one person has been caught out by signing up for a policy without reading the fine print.

Final words

Because different comprehensive vehicle insurance policies offer various benefits, it’s vital that you understand what the policy will cover before you sign on the dotted line. Furthermore, should your car be involved in an incident, it’s important to contact your broker should you have any queries about what the policy covers.

Categorized as Autos