Comprehensive Car Insurance provides the broadest commonly available level of Private Motor cover.

The exact features differ between insurers.

What damage to my vehicle can be covered? #

Depending on the policy, cover can include certain damage arising from:

• Collisions.
• Fire.
• Theft.
• Storm.
• Hail.
• Flood.
• Malicious damage.
• Other insured accidental damage.

Does it cover damage I cause to someone else’s vehicle? #

Yes, subject to the policy.

Comprehensive policies generally include liability for certain accidental damage caused to other people’s vehicles or property.

What additional benefits can be available? #

Depending on the insurer, policies can include benefits such as:

• Towing.
• Emergency repairs.
• Rental vehicle following specified events.
• New vehicle replacement.
• Personal property.
• Choice of repairer.

These features vary significantly between products.

Is every driver automatically covered? #

Not necessarily.

The insurer may require details of:

• Regular drivers.
• Driver ages.
• Licence status.
• Driving history.

Additional excesses or restrictions can apply to some drivers.

Does Comprehensive Insurance cover every type of damage? #

No.

Policies contain exclusions relating to matters such as:

• Wear and tear.
• Mechanical breakdown.
• Unlicensed driving.
• Alcohol or drugs.
• Undisclosed vehicle use.
• Other specified circumstances.

The Product Disclosure Statement should be reviewed for the individual policy.