Comprehensive Car Insurance
Sometimes called 'fully comp' although this is incorrect,
there are certain exclusions so it is not 'fully comprehensive'.
It covers everything same as TPFT plus Accidental Damage.
Accidental damage is damage to insured's vehicle, which
includes malicious damage, and Includes windscreen damage
(these are subject to different excess. Most car insurance
sold in the UK is comprehensive; recent reports suggest
that up to 75% of all car insurance sold is comprehensive.
This would be suitable for any car over £1,000
(under this threshold tends to be TPFT cover). Cars
over £5,000 must have comprehensive cover. These
policies may include extra benefits such as personal
accident cover, which covers the driver for certain
bodily injuries (drivers are not automatically covered
for injury under comprehensive policies). Other options
may include 90 Day EU cover known as a green card.
Windscreen Endorsement - this means that windscreens
can be repaired without it affecting a client's no claims
bonus. The excess for this is typically much lower.
Driving other cars is an extension that can be found
on some policies. Its aim is to allow the driver to
have cover whilst driving a vehicle, which is not the
Many people have misconceptions about what cover is
actually in force so it is important that customers
understand what cover exists and more importantly what
Restrictions - Cover is third party only, you must
have the car owner's permission to use it, you cannot
own the car being driven on the extension, and the other
car must be a private vehicle. The following people
do not qualify for driving the other cars extension:
Drivers under 25, certain occupations e.g.: motor mechanics,
drivers of high value/power vehicles, and drivers with
poor claims or convictions record. In these instances,
the best cause of events for the insured is to add the
temporary driver on as a named driver.