Motor Insurance Policy Types - Fully Comprehensive

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Fully Comprehensive Car Insurance

With 'fully comp' cover, you have all the benefits of third party insurance plus it provides you with 'all risks' type of cover for your car. That means if the car is damaged by any cause whatsoever, you can claim, except for those 'small print' exclusions. More about those later.

So you know you can claim for any damage to your car caused in an accident.

But did you know you can also claim for damage caused by such things as

- paint spray that wafted over from a careless paint sprayer/decorator working on next doors house;
- paint stripper poured over your car by the local thugs;
- pollution raining down on your car from the local factory (provided you can actually prove that they did this);
- things falling off lorries and hitting your car;
- damaged caused to your tyres and suspension when you drove over a high kerb and so on.

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So you can see, if your car is damaged by some fortuitous event, subject to the exclusions, you can claim. Whether you would want to claim, and thus lose your precious no claims discount is discussed in another chapter.

"I pulled away from the side of the road, glanced at my mother in law and headed over the embankment. "

Extracts taken from actual claim forms submitted to a number of UK car insurance companies

Next..... UK Car Insurance Policy Options - Windscreen Cover

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