its4women Car Insurance Policy Types Explained

its4women Car Insurance Policy Types Explained

Nov 15, 2023

While there are different levels of car insurance, here at its4women, we provide Comprehensive cover to all our policies.

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.

Why choose comprehensive car insurance? 

comprehensive car insurance policy gives you peace of mind and means you are eligible to make a claim whether the accident was your fault or not.

You can also make a claim if you have discovered damage to your car but can’t prove whose fault it was, such as in a public car park or when parked on the street. 

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:

Limits will apply. Please refer to your policy booklet.

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.

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