Fully Comprehensive Car Insurance

In the past, a lot of fully comprehensive insurance covered driving another vehicle as standard. However, this is no longer the case. While some insurers may still offer this coverage as standard, it’s more likely that it will be offered as an add-on called drive other cars, or DOC cover. 

Some insurers might offer windscreen cover as standard, but it will depend on the policy you choose. This is another common cover that is offered as an add-on to your main comprehensive insurance. However, it will likely come at an additional cost too. 

If your car is written off by your insurer, you will be compensated up to the market value of the car at the time of the accident. In some cases, this may not be enough to replace your car with the same or equivalent model. This is where GAP insurance can help, particularly if you are insuring a new car or a car whose value is likely to depreciate a lot. 

It is not necessary, but it will likely offer the greatest level of protection. Some new drivers might be tempted to opt for third-party-only insurance to keep costs down. However, you are statistically more likely to be involved in an accident in your first years of driving, so this is really when you need the protection most. Young drivers can save on car insurance without compromising on coverage with these other strategies.

Yes, the majority of insurers will give you the option of paying for comprehensive  insurance monthly or annually. Just be aware that monthly payments can cost more overall. 

There is no difference, these two terms are used interchangeably to refer to the same type of insurance coverage. 

The best comprehensive insurance policy for you will depend on your needs and budget. Shopping around is an easy and fast way to help you find vehicle insurance that suits you.