Car Insurance Cover

Do you need fully comprehensive insurance?

If you're looking for peace of mind when it comes to car insurance, comprehensive insurance covers you for just about all losses. It's therefore useful to opt for this option if you don't want to risk paying out of pocket for expenses incurred if you were to make a claim.

Does comprehensive insurance cover theft?

Yes. If you have comprehensive car insurance, the stolen vehicle is covered and the insurer will pay the value of the stolen vehicle if it's not recovered. However, personal items such as phones and laptops won't be covered but these things may be insured under your home insurance.

Can I drive any car with comprehensive insurance?

Under comprehensive insurance you can usually drive any car but there are conditions.
Firstly, the car must already be covered by an existing insurance policy. Secondly, you must have permission to drive the car. You must also ensure that it's noted on your insurance  certificate as not all insurers automatically grant this.

What happens if you're involved in an accident and have third party fire and theft cover?

If you're involved in an accident, third party fire & theft insurance will cover you for any damage to the other person's vehicle or injury to others if you're at fault. It won't cover you for damage to yourself or costs to repair your own vehicle. If you've got this level of car insurance and aren't at fault, then you can make a claim against the other driver.

Does third party fire and theft insurance cover windscreen damage?

Windscreen damage is only covered if it was caused by someone trying to break in or steal your car. Under other circumstances, windscreen repair would not be covered under third party fire & theft.

Whats the difference between comprehensive insurance and third party fire and theft?

Third party fire & theft insurance covers you if your vehicle gets stolen or damaged by fire. It also includes damage to other people's property and injury to third parties.
In comparison, comprehensive insurance includes everything that third party fire & theft does but it also has the added protection of covering you, your passengers and your property if there's an accident or collision.