Comprehensive Motor Commercial Insurance


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


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