This level of motor insurance cover offers the widest possible protection.
The cover provided by a comprehensive policy includes all the cover under a third party fire and theft policy, plus other accidental or malicious damage to the insured’s car. The cover provided is on an ‘all-risks’ basis, which means that all loss or damage is covered unless specifically excluded;
A number of specific exclusions apply to comprehensive cover, including:
- The loss or damage to accessories and spare parts, unless on the insured’s vehicle
- Wear and tear and depreciation
- The loss of use
- Mechanical and electrical failure or breakdown. It is only the part that fails which is excluded; any resulting damage to the vehicle is covered
- The damage to tyres caused by road punctures or bursts