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Comprehensive Policy In Car Insurance

Comprehensive Policy In Car Insurance Blog

A comprehensive car insurance policy is one of the most desired types of auto insurance policies. This policy covers third-party liabilities and losses and covers for own damages. Any unexpected events such as an accident, fire, theft, or natural disaster are covered.


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Is Comprehensive Insurance Always More Expensive Than Other Policy Types?

If your thought was that a comprehensive policy is always more expensive than the third-party only cover, or third-party, fire and theft, well, you can be forgiven. Though most times it’s more expensive, not always. When comparing policies, it’s worthwhile checking the differences in price between comprehensive and other policies. Sometimes you will realize that a comprehensive insurance policy is as cheap as a third-party policy. You probably do not need to compromise on your best cover to save a few pounds.

But How Is It Possible That Comprehensive Cover Is Sometimes Cheaper?

It is because a lot of high-risk drivers lean towards third-party coverage as a way of reducing their insurance costs. As such, the data begin to tilt towards a higher number of claims on third-party policies. The implication of this is that the overall cost of the third-party policy goes up. That’s why it’s crucial to check the price of all policies, just in case before taking any final decision.

Benefits Of Purchasing Comprehensive Auto Insurance

A comprehensive car insurance policy safeguards you and your vehicle from any unexpected incident except collision. It also covers losses suffered in an accident. Other benefits of comprehensive coverage include:

  • Comprehensive coverage is the peak of protection you can give yourself and your car.
  • If you are at fault in an accident, you may claim incurred losses in such situations with a comprehensive policy.
  • The policy also covers lawsuits brought against you, including legal fees resulting from an accident.
  • The coverage is the best to give you peace of mind and financial protection.
  • It even offers financial aid if your car has been written off.

What Does Comprehensive Insurance Cover?

To avoid any confusion, it is much better to have a complete handle of the inclusions and exclusions referenced in your vehicle insurance policy. For that, you should peruse it carefully. By and large, you won’t have to stress over the following, as they will be covered under your comprehensive car insurance:

  • Natural disasters or severe weather damages
  • Fire
  • Theft
  • Sabotage
  • Third-party damage
  • Falling objects such as trees damage
  • Damage or destruction caused by an act of civil disturbance such as insurgences

What Does Comprehensive Insurance Not Cover?

If your car suffers damage due to a collision, you can’t make a car insurance claim except you have a comprehensive policy. In the same vein, there are a lot of other things that are excluded from comprehensive car insurance that you should know:

  • Depreciation
  • Wear and tear of your car
  • Breakdown as a result of electrical or mechanical
  • Damage caused by an individual without a valid driver’s license
  • Damage caused by an individual driving under the influence of alcohol or drugs
  • Damage to tires and tubes.
  • Damage caused by violence, war, insurgence, or nuclear risk


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