When looking for a car insurance policy, you normally have three options to choose from: third party insurance; third party, fire and theft insurance and comprehensive car insurance. What exactly is fully comprehensive car insurance and what does it entail. Fully comprehensive car cover is an insurance policy that covers your car for any damage that it may sustain. It is a combination of the two basic covers and some extras as well.
Fully comprehensive cover is the complete protection for yourself and your vehicle, it covers damage to any third party or property as well as cover your vehicle for fire and theft of not only the vehicle but personal effects and the driver as well. This cover tends to be a little more expensive because of the fullness of the cover. When you have fully comprehensive car cover you can claim for accidents that are your fault.
When searching for insurance quotes always make sure that you find as many as possible and that you find an insurance policy that is more suited to your needs, find out about the added benefits of fully comprehensive cover for instance if you are in an accident and your car is being repaired do you get a courtesy car? If so, is it covered by the insurance or do you have to pay extra for it? These are important questions to ask, read the fine print to ensure that you know exactly what the policy entails and what is covered and what is not. Different insurance companies offer different things in their policies so make sure you know what you are getting into and what exactly you are paying for.
Sometimes, depending on your risk profile, you may find that your comprehensive cover is much cheaper than most policies. Younger drivers are more likely to pay a much higher premium on comprehensive insurance as they are seen as much riskier drivers. There are always ways to keep your insurance premiums down, for instance, the value of the car you drive can have an impact on your premiums, the precautions you take to ensure the safety of your car, the mileage on your car also contributes to the monthly premiums or you can also pay a higher excess, the higher the excess you pay the lower your monthly premiums will be. Always look for the best deal that will be beneficial to you.