Fully comprehensive car insurance

Fully comprehensive car insurance

Nov 14, 2023

What is comprehensive car insurance?

Comprehensive car insurance, also known as ‘fully comp’, is the top level of private car insurance you can get. If you have comprehensive car insurance and are involved in an accident, you are covered for damage to yourself, your car as well as compensating a third party – even if you were at fault. It also covers you for theft and fire damage.

There are lower levels of insurance available too, including third party only, however here at its4women, we provide Comprehensive cover to all our policies.

What’s the difference between fully comp and third-party only?

Third-party only is generally the lowest allowable level of insurance you can get. It covers damage to other people and other cars, but not your own.

Comprehensive car insurance, on the other hand, will cover damage to your car as well. 

With its4women, some comprehensive car insurance policies include a ‘Driving Other Cars Extension’ that provides third party only cover in the event of an emergency for the policyholder to drive another private car which they do not own or have not hired or leased. Other terms and conditions may apply. 

What does its4women comprehensive car insurance cover?

While a typical comprehensive car insurance policy will cover damage to your vehicle, as well as third-party property, in the event of an accident, some polices can vary a lot in terms of the additional cover they include.

At its4women we offer two comprehensive car insurance products to suit your needs, Premier and Telematics. The main differences are outlined below.

Please view our Policy Document for full details of cover.

What does a comprehensive policy NOT COVER?

While comprehensive car insurance is the highest level of cover, there are a few things not covered. Here’s a round up of what is not included:

  1. The death of or bodily injury to any person driving the insured car, or in charge of it for the purpose of driving it.

  2. Any accident, injury, loss, damage or liability which happens if any vehicle shown in the insurance certificate is, at the time of the accident, being driven or used other than as allowed under the terms of the insurance certificate.

  3. Damage or liability arising from war or terrorism.

  4. If the insured person has cover for the liability under another policy.

  5. Loss of use, wear and tear, mechanical, electrical or electronic breakdown, damage to tyres by braking, punctures, cuts or bursts.

  6. Loss of or damage to the insured car where the driver of your car is under the influence of alcohol or drugs or in breach of licence conditions.

  7. Any loss of or damage to the car, which does not arise from an accidental, sudden or unforeseen cause.

Is comprehensive insurance more expensive than other policy types?

It may seem logical that a lower level of cover would cost less, however this is often not the case. You may find its4women Comprehensive cover cheaper than a Third-Party Only policy - with the added bonus that your own vehicle will be covered for damage.

You can check this out further by getting a car insurance quote here.