What does 'fully comp' actually mean? 

Our Comprehensive car insurance is highly rated and covers you for a wide range of eventualities, but even if you’re an experienced driver, it’s worth refreshing your memory so that you know exactly what is covered and what is not. The more you know about your car insurance, the more you make it work for you, and avoid making assumptions that could have dire consequences.

So, to begin: Comprehensive insurance (or 'fully comp', as it’s also known) covers you for damage you cause to someone else’s car or their property. It also covers you for damage caused to your vehicle, including and not limited to:

  • Car accident
  • Theft
  • Vandalism
  • Damage caused by animals
  • Natural disasters, such as flooding accidents.
  • Fire

While there are many more add-ons you can have for added peace of mind, essentially, for most drivers comprehensive insurance is the most complete way to insure a car.



A closer look at what's included:

  • Damage to you or another vehicle when you’re at your fault
  • Damage caused to your vehicle when fault cannot be determined
  • Damage caused by fire to your car, also theft of your car or theft of belongings from your car
  • Vandalism and natural disasters including damage caused by flooding, hailstones and animals
  • We offer a courtesy car service as standard with every comprehensive policy, when you use a recommended repairer (excludes a write off). 
  • Personal accident cover of up to £5,000 should you be involved in a life-changing incident
  • Windscreen cover You’ll only pay £10 towards a repair and £75 for a complete replacement
  • Child car seat replacement where in an accident we replace your child’s car seat even if it doesn't look damaged
  • Personal belongings cover whether damaged or stolen we’ll give you up to £250 to replace mobiles, bags, etc
  • In car entertainment we will cover music, phones, sat navs and DVD players, that you’ve added to your car post purchase
  • Wrong fuel cover, meaning if you put the wrong fuel in your car, you’re covered. We’ll provide assistance to drain your car and repair the problem
  • Emergency assistance 24/7 so you’ll never be left stranded in the event of an accident.

What comprehensive insurance does not cover

Contrary to what many people believe, a fully comprehensive insurance policy does not cover you to drive another person’s car. The general rule is that if you drive someone else’s car regularly, then you should be named on their policy.

Some policies offer limited cover to drive other cars in an emergency situation. For example, if a friend had an accident and they were unable to drive and you wanted to drive them to hospital - you might be allowed, if they give you permission and you meet certain criteria. However, if you have an accident en route, the level of cover is generally third party only.

Clearly, there’s a lot to consider. So, it's best to check your policy document, schedule or certificate to be sure of your cover. 


Is comprehensive insurance more expensive than other policy types? 

Not necessarily, that depends on your personal circumstances, the level of cover you need, the type of car you drive, plus your average mileage and usage. Third party, fire and theft might initially offer savings in the short term; however, it could also work out more expensive in the long term.

In the event of an accident, assess whether you’re happy to be without a car for an extended period of time or whether you can afford to pay for another vehicle. If that isn’t the case, a fully comp policy could save you a great deal of hassle and money.


Comprehensive versus third party, fire and theft


  Third party, fire and theft car insurance Comprehensive car insurance
If your car is stolen it gets replaced Included Included
Your car suffers fire damage it’s covered Included Included
Your phone or in-car entertainment system is damaged or stolen Included Included
Damage to a third person and/or their property Included Included
Wrong fuel cover x Included
Windscreen or windows repairs x Included
Natural disasters such as flooding x Included
Covers if an accident is your fault x Included
Covers if an accident is not your fault x Included
Covers if you can’t prove whose fault it is x Included

Fully comprehensive means extra protection for added peace of mind

Comprehensive cover is all about providing a wide range of cover, ensuring that in most situations, you are covered from having to pay the full expense in the event of an accident.

Third party, fire and theft car insurance may appear cheaper in the short term, but you may have to pay for repairs or even replace your car should it be written off. As such, third party, fire and theft may not work out cheaper in the long run.

So, if you’re using your vehicle daily for essential journeys including commuting, or to ferry your family from A-B on a regular basis,  then taking out comprehensive insurance will give you the added peace of mind you need. 


How to save on your car insurance

When it comes to insurance, you’re in the driving seat. The more you know, the further your money will go

The factors that determine how much you pay for car insurance include but are not limited to…

About your car
  • The type of car you own
  • Repair and labour costs
  • Cost when your car is new
  • Your car’s insurance group
  • Your annual mileage
About you
  • Your age
  • Your driving history
  • Additional drivers of the vehicle
About your cover
  • The excess fee you agree
  • Whether you pay monthly or annually

Future-proof your car insurance with these optional add-ons

You can also upgrade your car insurance to get a courtesy car if your car is stolen or written off.

Frequently asked questions

Still got a question, here's a list of our customers' most asked questions.

Does comprehensive car insurance cover other drivers?

If you have other people that drive your car regularly they should be added as a named driver on the policy.

Am I insured for driving other cars with fully comp cover?

Some policies offer limited cover to drive other cars in an emergency situation. However, if you drive someone elses car regularly then you should be named on their policy. 


Is comprehensive car insurance compulsory?

No, the minimum cover required by law is Third Party. There are different levels of cover to insure your car for personal use. These also include Third Party, Fire and Theft.


Does comprehensive car insurance cover theft?

Your car is covered if it is stolen. It is also covered if it suffers damage during theft. The items you keep in your car are also covered including bags, mobiles, sat navs, etc, up to a monetary limit.


Does comprehensive car insurance cover personal injury?

Our comprehensive cover includes personal accident cover of up to £5,000 should you be involved in a life-changing incident. Personal injury for third parties is also included.


Does comprehensive car insurance cover windscreen replacement?

Yes, our comprehensive car insurance does cover you for damage to your windscreen, but we can’t speak for every insurer. Subject to an excess.


Does comprehensive car insurance cover breakdowns?

Although we will never leave you stranded following an accident, we offer breakdown cover as an optional extra - provided by the RAC. Together we’ll provide the assistance you need.


Does comprehensive car insurance cover vandalism?

Yes, our comprehensive car cover covers you for vandalism. Actually, with our MORE THAN vandalism promise, if you make a vandalism claim then it won’t impact your No Claim Bonus if you can provide us with a police incident number. Should your car suffer damage during theft, you’re also covered and personal belongings that are taken are covered too, up to a monetary limit. 

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