Compare Cheap Comprehensive Car Insurance Quotes

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What is comprehensive car insurance?

Comprehensive car insurance is an insurance policy that provides extensive cover for both you and your car. This type of insurance offers the highest level of protection available for car owners.

Unlike other insurance policies that only cover third-party damage or liability, comprehensive insurance goes beyond and covers not only damages caused by your car to another person or their property but also covers the damages caused to your own car in various situations.

This means that if your car is stolen or damaged in a fire or natural disaster, comprehensive insurance will cover the cost of repairing or replacing it.

It’s important to note that comprehensive car insurance cover varies depending on the policy and the insurance provider. Some policies may offer additional cover, such as breakdown cover, courtesy car cover, or personal injury protection.

However, these additional covers may come with a higher premium, so it’s essential to compare policies and choose the one that suits your needs and budget.

In summary, comprehensive car insurance provides a higher level of protection than other types of car insurance policies. It covers not only third-party damage or liability but also protects you and your car against theft, fire, and other types of damages, providing peace of mind when driving.

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What is covered in comprehensive car insurance?

Comprehensive car insurance provides the most extensive cover available for your vehicle. This type of policy covers a wide range of risks and scenarios that could result in damage or loss to your car, as well as other parties and property involved in an accident.

However, the specific cover and exclusions may vary depending on your insurance provider and policy terms.

Here are some common types of cover included in comprehensive car insurance policies:

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Compare comprehensive car insurance and include upgrades and additional cover

There can be a significant variation in the additional cover provided by comprehensive policies. Optional extras may be included as standard in certain policies, while in others, they may incur an additional charge. Some of the frequently offered optional extras are:

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Why do I need comprehensive car insurance?

Comprehensive car insurance provides complete cover for your car, making it the most extensive form of car insurance available. Opting for this type of policy can provide you with the utmost assurance that you’re protected against any risks to your own car.

It is important to note that having some form of car insurance is a legal requirement for driving on UK roads. Apart from comprehensive car insurance, there are other insurance options available as well.

How much does comprehensive car insurance cost?

When it comes to car insurance, many assume that comprehensive cover is always the most expensive option. However, this is not necessarily the case. In fact, sometimes comprehensive car insurance can be the cheapest choice available.

Statistics show that drivers who opt for third-party-only cover are more likely to engage in risky driving behaviour. As a result, even though third-party cover only offers the most basic level of protection, it can often be more expensive than comprehensive insurance.

That being said, the cost of your car insurance premium will ultimately depend on a variety of factors. Your age, driving history, the type of car you own, and even where you reside can all play a role in determining your insurance rates.

For example, younger drivers with less driving experience are often charged higher premiums than older, more experienced drivers. Additionally, living in a high-crime area or owning a more expensive car can also increase the cost of your cover.

Learn more about how car insurance premiums are calculated

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How can I get cheap comprehensive car insurance?

If you’re looking for ways to reduce the cost of your comprehensive car insurance, there are several things you can do to potentially lower your premiums. These include:

  • Driving less and providing an accurate estimate of your annual mileage when requesting a quote.
  • Renew your policy in a timely manner. By getting quotes three to four weeks prior to your renewal date, you may be able to secure a lower rate.
  • Adding a responsible driver to your policy. However, it’s important to ensure that the person you add is someone who could reasonably drive your vehicle. Adding someone as the main driver when they are not is known as fronting and is considered a type of insurance fraud.
  • Paying your premium in full instead of in installments. This way, you can avoid paying interest on your insurance payments compared to making monthly payments.
  • Consider a telematics policy, which uses data about your driving habits to calculate your premiums. This can be a good option for younger or less experienced drivers who may be charged higher rates based on their age and driving record.

Overall, one of the best ways to find cheap comprehensive car insurance is to compare car insurance quotes from over 110 different insurance providers at Comparoo. This way, you can find a policy that offers the cover you need at a price that fits your budget.

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To start comparing comprehensive car insurance quotes, you’ll need to tell us:

Frequently asked questions

Contrary to popular belief, having comprehensive car insurance does not necessarily mean that you can drive any car. While it used to be common for comprehensive policies to provide third-party cover when driving other people’s cars, this is now rare. It’s essential to review your policy wording or consult with your insurance provider to determine what is covered.

If you wish to drive another person’s car or allow someone else to drive your vehicle and want to ensure that you’re covered, you may need to add a named driver to your policy. Alternatively, if you only need to drive someone else’s car for a short period, you might consider temporary car insurance.

The cost of a comprehensive car insurance policy is influenced by several factors, including your age, driving history, location, and where you park your vehicle overnight.

Insurance companies analyse these details along with their own data to assess the risk of you making a claim. The level of risk is then reflected in the price of your policy.

See more on how car insurance premiums are calculated

Comprehensive and fully comprehensive car insurance are two different names for the same level of cover.

This type of insurance offers the highest level of protection, covering you, your vehicle, and third parties.

However, it’s important to note that being fully comprehensive does not guarantee cover for all possible scenarios. You should carefully review your policy to understand what is and isn’t covered.

Comprehensive car insurance is a good choice for those who want cover for a range of potential incidents, including theft and damage to their own vehicle.

This type of cover is often required by lenders for those who finance or lease their cars. Additionally, comprehensive cover may be worth considering for those who would struggle to pay for repairs or a replacement vehicle out of pocket.

The main disadvantage of fully comprehensive car insurance is that it tends to be the most expensive option.

However, when compared to other types of policies, such as third-party only and fire and theft, the level of cover provided may make it a worthwhile investment.

When considering the choice between third-party and comprehensive car insurance, it’s important to note that the main difference is the level of cover each policy provides.

Third-party insurance only covers damages and losses sustained by third parties, whereas comprehensive insurance covers damages to your own vehicle as well as third-party losses.

If you have fully comprehensive car insurance, you may only drive another person’s car if your policy includes “driving other cars” cover. It’s important to note that this type of cover typically only offers third-party protection, even if your own policy provides comprehensive cover.

While some car insurance policies include courtesy car cover as a standard feature, others offer it as an optional add-on.

Policyholders are more likely to have this cover if they have a fully comprehensive insurance policy. However, third-party or third-party, fire and theft insurance policies typically do not provide cover for courtesy cars.

Fully comprehensive car insurance policies typically cover repairs to your vehicle, regardless of who was at fault in the incident.

However, if you only have third-party insurance, you will only receive cover for repairs to the other driver’s vehicle and not your own.

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