Collision Insurance and Comprehensive Insurance Explained, comprehensive automobile insurance.

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Optional Automobile Insurance

Even though some types of automobile insurance aren’t required by law, you may still want coverage to protect your vehicle. Comprehensive and collision insurance policies do just that.

See How Much You Could Save:

Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies.

Comprehensive automobile insurance

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are at fault . A standard collision automobile insurance policy will pay for any repairs up to the fair market value of your car.

It is important to remember that this value can be significantly lower than the cost of replacing your vehicle (or your loan balance.) If your car is financed or leased, you will need gap insurance to reimburse you for the difference between what you owe and what the car is worth.

Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision policy will cost.

Comprehensive Automobile Insurance

Comprehensive is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle caused by any unknown party or act of God .

Hot tip: Your collision and comprehensive automobile insurance policies are two places where it can be pretty easy to cut costs. Read our guide to choosing car insurance for money saving strategies!

Get up to ten fast free quotes from ComparisonMarket or try Netquote for local agents.

Automobile Insurance Endorsements

Automobile insurance endorsement is just a fancy term for any of those policy extras like towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance.

Comprehensive automobile insurance

Comprehensive automobile insurance

Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

Comprehensive automobile insurance

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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.



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Online Auto Insurance

Make a Comparison

Buy your Policy Online

Comprehensive car insurance comparison

Operated by Online Auto Insurance ™

Using the Internet to compare quotes side-by-side allows consumers to quickly pinpoint the insurers offering cheap auto insurance rates for the coverage desired. Instead of calling around or visiting individual websites for quote comparisons, complete one single questionnaire and instantly get back a rate from multiple quality companies such as Progressive, 21st Century, GMAC, Infinity, Unitrin and more, all at the same time! Watch the video to view the process.

Pay Monthly

Comprehensive car insurance comparisonChoose monthly auto insurance payments and learn about no down and low down payment options. Paying month to month instead of every 6 or 12 months plus a low start up cost makes it more affordable for many people on a budget by reducing the amount needed to get insured.

Cheap Companies

Comprehensive car insurance comparisonThe only way to find cheap car insurance companies is to compare rates. There is no such thing as the cheapest company for all. Each one of us has to search to see which will be cheaper for us individually. Understanding how the rating process works and which factors impact premium is an important part of the shopping process.

Coverage Recommendations

Comprehensive car insurance comparisonThe recommended coverage is one which is affordable and protects an insured s investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured s legal liability as a result of automobile accidents.

Top Rated Companies

Comprehensive car insurance comparisonWho are the top 10 car insurance companies? Learn the facts about the best rated company and what is used to determine ratings such as financial strength which indicate the stability and ability of a carrier to pay out their obligations. A rating can be valuable when it comes to choosing the right insurer.

High Risk Drivers

Comprehensive car insurance comparisonGet high risk auto insurance quotes from companies best for drivers with a record, including accidents and/or tickets or inexperienced drivers, such as teenagers, who may be considered a higher risk. Although bad driving records do affect premiums, there are insurers out there who specialize in the non standard (risky) market and can offer more affordable rates.

Get Quotes Without Personal Information

Comprehensive car insurance comparisonNo personal information, such as social security or driver s license numbers, is required for auto insurance quotes. Choose not to provide personal info to protect your privacy. Only basic data about vehicles and drivers is required and providing personally classified data is optional.

No License

Comprehensive car insurance comparisonGet car insurance without license through certain carriers who s underwriting guidelines permit it. Those with no drivers license, out of country (international) license and even identification cards from other Countries, such as the Matricula Consular issued by Mexico, may be eligible for coverage.

Cheap Rates for Young Drivers

Comprehensive car insurance comparisonA teenage or youthful driver should take a different approach when searching for the cheapest possible rates since their inexperience may have a negative impact on the price of insuring. Learn how a teen can save by comparing prices from a variety of insurers and by taking advantage of all possible discounts such as the good student discount .

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Comprehensive car insurance comparison



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Insurance » Get Free Car Insurance Quotes

Simply complete a few easy steps to compare a range of Car Insurance quotes.

Call me back Comprehensive car insurance comparison

Accidents, vehicle theft and breakdowns can happen when you least expect it. How would you afford the costs of replacing or repairing your car, or pay for the damage to someone else’s vehicle? A Car Insurance policy could assist with paying these costs. Hippo.co.za compares a range of insurance providers in South Africa that offer coverage tailored to your specific needs.

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Car Insurance Guide

More About Car Insurance

Statistics have shown that out of 10 million motorists on South African roads, 65% are uninsured. The financial risk of being another statistic is too great to chance! Imagine being responsible for the costs of an accident – whether it’s your fault or not! Rather enjoy peace of mind by getting car insurance that will cover you in these situations. Hippo.co.za will help you to find the best deal on your car insurance.

Simply enter a few details into our online car insurance quote form and Hippo will instantly compare a range of different insurance brands, their prices and benefits, to make it easy for you to find the right insurance quote to fit your needs. Once you have found the deal for you, simply click on “I’m Interested” and your chosen insurer will get in touch. Simple.

Comprehensive Car Insurance

Comprehensive Car Insurance provides cover for just about any form of financial loss related to your vehicle. This is the most extensive form of Car Insurance and provides cover for damage caused to other parties and their property in the event that you are responsible for an accident. Comprehensive Car Insurance also covers you for damage to your vehicle caused by accidents, fire and natural disasters, and provides cover for theft and hijacking. Learn more with our Comprehensive Car Insurance Guide.

Third Party Fire and Theft Car Insurance

Third Party Fire and Theft Car Insurance provides cover for damage caused to other parties and their property in the event that you are responsible for an accident. Third Party Fire and Theft Car Insurance also covers the cost if your car is stolen or damaged in the event of a hijacking, theft or fire.

Third Party Only Car Insurance

Third Party Only Car Insurance offers a basic and more affordable form of cover for your car by covering the damages that you have caused to other parties and their property in the event that you are responsible for an accident. Third Party Only Car Insurance does not provide cover if your vehicle is damaged or stolen. Learn more with our Third Party Car Insurance Guide.

Car Insurance for Under 25s

If you are younger than 25 years of age and you’re looking to purchase Car Insurance you will soon find out that your age plays a big role in how companies assess your risk, and ultimately your premium.

How to Make a Car Insurance Claim

If you’ve recently been in accident, or would like to know how to make an accident-related claim on your Car Insurance for future reference, here’s all you need to know.

Car Insurable Values

Find out the difference between retail value, market value, trade value, and agreed value. You can insure your car under four different value options, and this could affect the premium you pay.

How excess affects your Car Insurance premium

Excess refers to a fixed amount that you have to pay if you make a Car Insurance claim. Hippo.co.za explains how excess influences your Car Insurance premium.

The difference between personal and business vehicle use

When comparing Car Insurance quotes, it is important to determine whether the vehicle that you’re looking to insure will be used for personal travel or for business-related purposes.

Motor Vehicle Insurance FAQ

We’ve put together a comprehensive list of FAQ’s to help you find out more about car insurance so that you can make more of an informed decision on finding the right cover to suit your individual needs.

Vehicle Insurance Glossary

Learn more about insurance jargon and some of the day-to-day terms used within the insurance industry. We hope this will help you further to choose from the best vehicle insurance quotes from a range of the best car insurance companies in South Africa using Hippo.co.za.

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Top 10 Car Accessories to Have

Whether you re new to the world of owning your own motor vehicle and having both the responsibility and freedom that it .

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Rugby fans often debate about the greatest legends of SA rugby. With rugby fever currently running high, the debate will.

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You re already watching Ignition religiously on DStv, while Top Gear magazine has become your very own motoring Bible – .

Why do I need Car Insurance?

Car Insurance covers you in the event that your vehicle injures another person or damages their property. Without Car Insurance, you could be left to cover the costs should you be responsible for an accident.



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Car insurance basics

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Besides protecting you financially, car insurance is a social responsibility. Driving without insurance or the ability to pay for the damages you cause in an accident puts others at financial risk.

All states except New Hampshire require car owners to prove they have the financial ability to cover liability costs if they cause an accident, and most require they do so by carrying auto insurance. New Hampshire requires drivers to prove financial responsibility after an accident.

An auto insurance policy contains six main types of coverage. Depending on where you live, some are required and some are optional.

Comprehensive car insuranceCar insurance is comprised of the following coverages:

  1. Bodily injury liability
  2. Property damage liability
  3. Medical payments (MedPay) or Personal Injury Protection (PIP)
  4. Collision
  5. Comprehensive
  6. Uninsured/Underinsured motorists coverage (UM/UIM)
  7. Extras, like roadside assistance

When people talk about having full coverage they generally mean having liability, collision and comprehensive.

Let s look at each coverage type and help you figure out if you need them.

Liability insurance

Liability coverage pays for the damage you do to others. It s written as three numbers, such as 20/40/10. That translates to $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident and $10,000 in property-damage coverage per accident.

It also pays for your legal bills if you cause an accident.

Bodily-injury liability will pay for others medical bills and lost wages when an accident is your fault, except in no-fault states, where your own Personal Injury Protection (PIP) coverage would pay for your injuries.

Property-damage liability pays to repair or replace property that you destroy. This includes other cars or property, such as fences.

States have set minimum limits of car insurance you must buy, but you may find them woefully inadequate. If you cause a major accident you ll quickly exhaust your limits and be personally on the hook for the rest.

If you cause $65,000 worth of damage and have an insurance limit of $40,000, you’re responsible for the remaining $25,000 and could be sued for it.

Liability insurance has no deductible.

Collision and comprehensive insurance

Unlike property-damage liability, collision coverage pays to repair your own vehicle in the event of an accident. Your collision claim check will be reduced by the amount of your collision deductible.

Comprehensive car insuranceYour car is considered “totaled” when the repair costs exceed a certain threshold of the car’s value, such as 70 percent. At that point, the insurance company will tow away the car to the salvage yard and offer you the actual cash value of your car, minus the deductible.

To keep your premium costs down when you buy collision coverage, you can raise your deductible. The higher your deductible, the lower your premium. But remember, you’ll have to pay that amount out of your pocket.

Comprehensive coverage pays for damage to your car that isn’t due to car accidents. That includes theft, fire, vandalism, natural disasters and collisions with animals (such as hitting a deer). Damage to your windshield may be covered under your comprehensive coverage as well. In some states, comprehensive coverage includes glass repair and replacement with no deductible, but it varies from state to state. Ask your agent about the specifics when you purchase your policy.

While neither collision nor comprehensive coverage is required by any state, your lender (if you are financing your car) may require that you carry this coverage until you have paid for your car in full. After your car is paid off, you can drop collision and comprehensive, although you may want to maintain the coverage to protect your own investment in the vehicle.

Medical Payments and Personal Injury Protection

Medical payments (called MedPay) coverage pays for the medical expenses suffered by you and your passengers after an accident. You’re also covered for injuries if you’re driving someone else’s car or from injuries suffered if a car hits you. MedPay will pay no matter who caused the accident, although if someone else is at fault your insurer may seek damages from the other party.



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Comprehensive Car Insurance Comparison

Comprehensive Car Insurance is like your best friend – there when you need it.

A Comprehensive policy is full-spectrum protection for your car. It covers accidental damage, theft and fire, as well as third party damage if you re at fault.

To help you decide if it’s the right type of cover for you, here s a closer look at what Comprehensive Car Insurance is and how it works to protect you.

How to find the right Comprehensive Car Insurance?

Comprehensive Car Insurance offers complete cover for your vehicle. It provides financial protection for your car in the event of:

• Collisions: It pays for the cost of repairing or replacing your car plus any third party damages.

• Accidental damage: It covers you for accidental mishaps, such as driving into your mailbox or garage.

• Severe weather damage: It pays for damage due to floods, storm damage, fire and more.

• Theft and vandalism: It covers you for malicious acts, including theft, vandalism and riots.

• Third party property damage: It can provide legal liability coverage usually of up to $20 million.*

Most comprehensive policies allow you to choose either an agreed or market value for your car.

Unlike market value, which is the current estimated value of your vehicle at the time of damage, the agreed value is a set amount. So, while the market value of your vehicle can change, the agreed value will stay the same until you renew your policy.

What are the benefits of comprehensive car insurance?

Along with the coverages already mentioned, comprehensive policies often come with a wide range of optional benefits, including:

• Cover for emergency repairs, towing and roadside assistance.

• Windscreen protection, hire car reimbursement and lost key replacement.

• Cover for extras such as alloy wheels, custom sound systems and other modifications.

• New replacement car if your new car (this usually means less than two years old) is a total write-off.

• The ability to change your excess, choose your own repairer and more.

Some of these options will come at an additional cost. Depending on your circumstances, you may also qualify for additional discounts on your policy, including no claim bonuses, safe driver and seniors discounts, and discounts for bundling multiple car policies together.

Do I need comprehensive car insurance?

If your car got damaged in an accident, could you afford to fix or replace it yourself? If not, knowing you have Comprehensive Car Insurance could be a weight off your mind.

We can help you choose the right car insurance policy

If you’re searching for the right policy, keep in mind that every provider is unique.

The good news is iSelect can quickly and easily help you compare and understand all of your different options. Our consultants have the advice and experience to help you find a suitable policy and best of all, it won t cost you a cent.

If you re ready to find a great comprehensive policy, use iSelect’s car insurance comparison tool for a quick and easy online quote. Or call iSelect HQ on 13 19 20 and let one of our consultants help you find the right policy.



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Comprehensive Car Insurance Comparison

Comprehensive Car Insurance is like your best friend – there when you need it.

A Comprehensive policy is full-spectrum protection for your car. It covers accidental damage, theft and fire, as well as third party damage if you re at fault.

To help you decide if it’s the right type of cover for you, here s a closer look at what Comprehensive Car Insurance is and how it works to protect you.

How to find the right Comprehensive Car Insurance?

Comprehensive Car Insurance offers complete cover for your vehicle. It provides financial protection for your car in the event of:

• Collisions: It pays for the cost of repairing or replacing your car plus any third party damages.

• Accidental damage: It covers you for accidental mishaps, such as driving into your mailbox or garage.

• Severe weather damage: It pays for damage due to floods, storm damage, fire and more.

• Theft and vandalism: It covers you for malicious acts, including theft, vandalism and riots.

• Third party property damage: It can provide legal liability coverage usually of up to $20 million.*

Most comprehensive policies allow you to choose either an agreed or market value for your car.

Unlike market value, which is the current estimated value of your vehicle at the time of damage, the agreed value is a set amount. So, while the market value of your vehicle can change, the agreed value will stay the same until you renew your policy.

What are the benefits of comprehensive car insurance?

Along with the coverages already mentioned, comprehensive policies often come with a wide range of optional benefits, including:

• Cover for emergency repairs, towing and roadside assistance.

• Windscreen protection, hire car reimbursement and lost key replacement.

• Cover for extras such as alloy wheels, custom sound systems and other modifications.

• New replacement car if your new car (this usually means less than two years old) is a total write-off.

• The ability to change your excess, choose your own repairer and more.

Some of these options will come at an additional cost. Depending on your circumstances, you may also qualify for additional discounts on your policy, including no claim bonuses, safe driver and seniors discounts, and discounts for bundling multiple car policies together.

Do I need comprehensive car insurance?

If your car got damaged in an accident, could you afford to fix or replace it yourself? If not, knowing you have Comprehensive Car Insurance could be a weight off your mind.

We can help you choose the right car insurance policy

If you’re searching for the right policy, keep in mind that every provider is unique.

The good news is iSelect can quickly and easily help you compare and understand all of your different options. Our consultants have the advice and experience to help you find a suitable policy and best of all, it won t cost you a cent.

If you re ready to find a great comprehensive policy, use iSelect’s car insurance comparison tool for a quick and easy online quote. Or call iSelect HQ on 13 19 20 and let one of our consultants help you find the right policy.



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Car Insurance Quotes

Benefits Of Quick Quote

  1. Our online process only take 60 seconds to complete
  2. You will receive a variety of car insurance quotes, collated by our expert insurance brokers, from trusted insurance companies
  3. Your short term insurance policy will be reviewed annually, on your behalf, to ensure you are still getting the most value for your money

What Is Car Insurance?

Ask yourself these questions:

  • What would I do if I was involved in a car accident?
  • How would I pay for the damages done to my car and to that of the other car?
  • Do I have large sums of money immediately available to pay for the costs involved?
  • What would I do if my car was stolen?

If you are unable to answer any of the above, motor insurance is your answer!

Your car insurance company is who you call when you are involved in an accident. They pay for any repairs and damages incurred on your car, and the other car, during a collision. Furthermore, should you encounter the awful experience of having your car stolen, your car insurance company will cover the cost of a new vehicle.

Did you know that there are 1.4 million uninsured cars on South Africa’s roads? Fortunately, when it comes to the responsibility of having car insurance, CompareGuru transforms the lousy process of getting budget car insurance to a simpler and faster acquisition.

Process Of Quick Quote

  1. Fill in your basic personal and vehicle details online
  2. Receive a suggested quote range based on your information
  3. Request a call-back by selecting a preferred day and time
  4. OR complete our ‘accurate quote’ process with further details
  5. One of our expert brokers will be in touch to help you save on your insurance

Save By Combining Policies

Did you know that you can stand to save up to 30% on your combined monthly car and home insurance premiums? Chat to our expert brokers today about taking out a combined policy in order to save.

Different Types Of Car Insurance

1. Third Party Car Insurance

When looking for cheap car insurance, it is important to consider whether or not you are only interested in covering the damages inflicted on the other car or person. Third Party is the cheapest, as you are only paying for the expenses of the other person’s medical and car damages, and none of your own.

2. Third Party, Theft, And Fire

If your main concern is someone stealing your car, or it being set alight, then this type of car insurance is what you need. It also covers any damages to a third party, or their car, in the event of an accident.

3. Comprehensive Car Inurance

This type of motor insurance gives you the best of both worlds; coverage includes Third Party, Theft, and Fire, as well as damages to your own car and your medical expenses. Comprehensive is the recommended car insurance package as it not only covers your expenses and prevents you from being in debt following an accident, but your vehicle will also be replaced, if it is written off.

How Does Car Insurance Benefit You?

Driving everyday means you not only put yourself at risk, but also the lives of others around you. Undoubtedly, with the amount of accidents on South African roads, there is no way to guarantee that you will never cause an accident, or never be involved in one.

With Comprehensive Car Insurance you will have a certain degree of confidence knowing that you are financially covered for any damages incurred to your car or a third party.

With car insurance, you have the peace of mind knowing that you will always be covered when it comes to replacing or repairing your car.

It Covers More Than Just You

Having motor insurance covers more than just you and your car, it also protects your spouse’s and other dependents’ cars, as well as any possible third party involved in an accident.

How Do I Apply

Finding the right short term insurance can take time, which you might not have. CompareGuru will help you find comparable insurance quotes that are tailored specifically to your needs.

By submitting your basic personal and vehicle information, you will receive a call from one of our expert brokers who will finalise all the details with you.

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More About CompareGuru

You can instantly set your mind at ease with our fantastic comparative insurance quotes. Our independent and transparent side-by-side comparisons will show you the best insurance quotes available in South Africa. Whether you need car insurance, warranty insurance, or home insurance, CompareGuru will be able to find you the best value for money. We also offer fantastic options for funeral insurance, medical insurance, hospital insurance, life insurance and legal insurance.

Our online insurance quotes are comprehensive in detail and each quote is specific to your personal circumstances. We bring you great insurance quotes for car, home, and building insurance from leading insurers such as ABSA, Auto General, and Santam. Receive the latest New National, Vir Seker, and 1st For Women quotes so you can find the best insurance quote. We also compare insurance quotes from Oakhurst and Unity insurers.

We will capture your personal information and redirect you to our trusted licensed authorised financial services providers who will guide you through the quote process. CompareGuru makes obtaining insurance much easier with quick comparisons of quotes from leading insurance companies. We strive to compile and compare the most affordable and comprehensive insurance options to give you value for your money. Each quote is tailored to your needs, your budget, and your personal circumstances.

Life insurance and medical insurance are essential to maintaining the welfare of your family. Life insurance offers financial relief to your family in the event of your death. Medical cover will ensure you have the financial support for daily medical expenses. Funeral insurance puts your family at ease with a lump sum pay out to cover funeral expenses in the event of your death. Home insurance brings a peace of mind to know your family’s home is safe and covered. You can now defend yourself with qualified and expert lawyers with affordable Legal insurance. A comprehensive hospital plan will help your family financially when they are hospitalised.

You can save the structure of your home without the financial burden with comprehensive Building insurance. Avoid paying for the fender bender when you buy comprehensive Car insurance. The only thing that should be on your mind while travelling is the wondrous adventure that awaits you, that is why you should allow CompareGuru to remove the hassle and stress from finding travel insurance.



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Discover Which Car Insurance is Best for Your Motor Cover Needs

  Get a quote

It doesn’t matter how big an insurance company is or how many people they insure, if they can’t provide you with the best possible car insurance package at the lowest possible cost for your specific needs, what good are they to you?

At Bestquote, you’re what matters – when you’re buying car insurance, when you’re driving across Ireland, and most importantly, when you need your motor cover due to theft, because of a breakdown or when you’ve had a road accident.

Most car insurance policies are unique and in order to prepare the best quote for your specific insurance needs, please call us directly at 0818 223 223 or complete a car insurance quote online now.

Bestquote – The Final Word on Irish Car Insurance

Bestquote is eager to save you money on your motor insurance whether you choose third-party cover, third-party, fire and theft cover or comprehensive car insurance policies in Ireland. You don’t even have to compare car insurance, just call us at 0818 223 223 and we’ll give you the Bestquote treatment – offering every discount available to you while making sure you have the coverage you need. That’s why we’re the final word on Irish car insurance.

  • Get car insurance cover in minutes
  • Bestquote compares motor insurance from top insurers in ireland

Get a car insurance quote or call us at 0818 223 223 now for exceptional customer service and truly affordable car insurance in Ireland.



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Get Comprehensive Insurance from Nationwide for Extra Protection on the Road

Avoiding car accidents is one way to stay safe in your car – but what about accidents other than those involving another vehicle? Comprehensive insurance can provide you with an extra level of coverage against these types of mishaps. Read on to learn basic information about what it is and what it covers – and start your free online quote today.

What is comprehensive insurance?

Comprehensive insurance is a core auto insurance coverage that helps you prepare for the unexpected. It is typically purchased in addition to the liability insurance that’s required by most states to drive legally.

What does comprehensive insurance cover?

Comprehensive car insurance coverage pays for damage caused by covered events other than a collision with another vehicle, such as vandalism or hail damage. Without comprehensive insurance, you may have to pay to repair these kinds of damages to your car, which can outweigh the price of your policy.

A comprehensive car insurance policy may include coverage for:

  • A cracked or broken windshield, depending on the state in which you live
  • Damage from hitting a deer or other animal
  • Car theft insurance in the event your vehicle is stolen or damaged by covered car vandalism
  • Damages caused by some events outside of human control, such as hail or other natural disasters
  • Damage caused by certain falling objects, such as tree branches or debris
  • Damages resulting from fires, civil commotions or explosions

Add endorsements to your comprehensive auto insurance for even more protection

It’s easy to customize your comprehensive insurance policy with a variety of endorsements, all designed to make your life easier, such as:

Adjust your comprehensive car insurance to fit your needs

Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage. new car replacement coverage or vehicle value upgrade. These coverages offer extra protection for newer cars.

You have more options when selecting your comprehensive coverage deductible amount, which is the amount of money you pay before insurance kicks in. To lower your comprehensive car insurance rate, you can choose to have a high deductible, such as $1,000. However, you need to make sure you can pay that amount out of pocket if you have to file a claim. A lower deductible might increase your rate, but it will cover more of your costs in the event of a covered accident.

For information about Nationwide insurance options types besides comprehensive insurance, view all our auto insurance coverage types.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.



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Comprehensive Insurance

Should You Buy Comprehensive Insurance?

In most states, comprehensive insurance is not an option for leased or brand new vehicles, as the lender will require comprehensive insurance coverage as part of the sale or lease contract. Comprehensive insurance on older vehicles requires careful consideration of the pros and cons before buying an auto insurance policy.  Purchasing comprehensive coverage in addition to liability coverage means you will pay a higher monthly premium, but it also has many benefits that are worth considering.

Auto Insurance Basics

Liability insurance  covers injury to you or other injured persons in an accident, and a minimum amount of this type of auto insurance coverage is required in all states. Your state’s Department of Motor Vehicles website will provide details on the necessary requirements. Full coverage insurance covers damage to your vehicle, and is your protection against monetary loss should you be involved in an accident. Full coverage insurance is a combination of two commons types of physical damage coverage: collision and comprehensive.

  • Collision insurance  covers damage to your car when it hits or is hit by another vehicle or object. Coverage pays the costs to repair or replace your vehicle less a deductible you choose. For example, if you choose a deductible of $1,000 and your car sustains damages totaling $2,500, you pay $1,000 and your insurance company pays $1,500.  It is recommended to pay as high a deductible as you can comfortably afford in order to lower your monthly premiums.
  •  Comprehensive insurance covers your vehicle, and in some cases other vehicles you may be driving, for damages due to incidents other than collision. Covered incidences include theft, fire, flood damage or animals (i.e. you hit a deer). Like collision, comprehensive coverage pays the costs to repair or replace your vehicle less a deductible you choose. Paying a higher deductible means lower monthly premiums.

Should you buy collision and comprehensive insurance?

If you have payments on your current leased or financed vehicle and are involved in an accident, you will likely find yourself without a vehicle to drive while owing the full balance on your vehicle if you do not purchase collision and comprehensive insurance. If you are not financing your car, you should take into account the value of the vehicle you drive. If you could easily replace the vehicle after an accident, full coverage insurance may not be necessary. If the car has value, or you would be unable to purchase a new vehicle after an accident, collision and comprehensive insurance could give you the peace of mind you need.

Things to take into consideration when contemplating buying comprehensive insurance:

  • Your car’s condition and value
  • Use of the vehicle
  • Your financial ability to replace or repair damages after an accident
  • If payments are being made, your contractual obligations to the lender

If comprehensive coverage is an option for you, request a free quote with no obligation whatsoever. Within minutes you can review your quotes and decide which auto insurer to work with to determine the best coverage for your needs.



Compare Comprehensive Car Insurance at #car #prices


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Comprehensive car insurance

Compare comprehensive car insurance from multiple brands to get the right deal

Key points


  • A comprehensive policy will cover you for injury to others (including passengers), damage to third party property, liability whilst towing, fire damage, theft and loss or damage to your vehicle
  • While comprehensive car insurance offers more extensive cover than third party options all policies will differ, so compare product features and be aware of ‘stripped back’ policies
  • Choosing a comprehensive policy isn’t always more expensive than buying a third party one
  • Don’t assume you’re covered to drive other cars if you have a comprehensive policy

While all policies vary and you always need to read your terms and conditions, choosing fully comprehensive car insurance should deliver a high level of cover for unfortunate motoring incidents.

It provides third party cover for claims made against you for injuries to other people, including passengers, as well as damage to other cars or property.

A comprehensive policy will also insure your vehicle against theft, fire and accidental damage.

Many fully comprehensive policies have additional benefits, such as providing a courtesy car whilst yours is in the garage, paying for medical treatment following a road accident, covering the theft of extras such as sat-nav systems and/or paying to repair damaged windscreens.

Bear in mind that some so-called comprehensive policies may be ‘stripped back’ policies offering a level of cover that you may consider rather basic.

Even if you’ve requested comprehensive cover, you should always take time to look at the terms of a particular policy.

Gocompare.com was built on the principle of helping you review policy features as well as price and we also use Defaqto star ratings to further distinguish the options you see in our quotes process.

Is fully comprehensive car insurance essential?

It’s a legal requirement in the UK to have car insurance. but it doesn’t have to be fully comprehensive.

So long as a driver has basic car insurance, he or she should be covered for damage caused to another person, vehicle or property.

However, third party policies will not cover you or your car in the event of an accident and don’t include many of the extras that can make life a lot easier if the worst happens.

What other types of car insurance are there?

Other car insurance options include third party only and third party, fire and theft. Not all car insurers offer third party only options, which are the most basic type of cover.

See also:

Some motorists believe that third party, or third party, fire and theft, are always the cheapest options. While this may often be true, you should be aware that this isn’t always the case.

One of the reasons for this is that third party options tend to attract more high-risk drivers, meaning that insurers see statistics showing them that third party policies are a high risk.

Comprehensive cover can sometimes cost about the same as, or even less than, third party, fire and theft. This means that a driver who opts for third party, fire and theft could be paying just as much as someone with a comprehensive policy, but they’ll have less cover.

If you’re looking to save money on comprehensive car insurance. there could be better ways.

Should you choose to use Gocompare.com’s comparison service, you’ll be presented with the clear option of whether you want to consider comprehensive policies, third party only, or third party fire and theft.

Another option is one of the most innovative products on the market, telematics car insurance. a policy that bases the premium you pay on the way that you drive. Gocompare.com’s quotes service offers the opportunity to compare telematics policies against more traditional products.

Can I drive other vehicles if I have comprehensive car insurance?

Motorists often assume that, if they have their own comprehensive car insurance, they’re covered third party to drive anybody else’s car.

But this isn’t necessarily the case and you should always check your policy or contact your insurer before driving another vehicle – read more in our article on cover to drive other vehicles .



Comprehensive Car Insurance – Car Insurance Quotes – Allianz Australia #price #of #used #cars


#comprehensive car insurance
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Comprehensive Car Insurance

Customise your cover with our range of options

Comprehensive Car Insurance

Latest Car Insurance news

Product Disclosure Statement

Online discounts

Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year’s premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.

Minimum premiums may apply

Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice.

Car Insurance discounts

The online discount does not apply to Third Party Fire & Theft policies and Third Party Property Damage policies. Safe Driver Discount applies to new Allianz Car Insurance policies only. Drivers must be aged 30 years plus. Eligibility conditions in relation to all drivers. Discount available for new Allianz Car Insurance policies only.

$25,000 Accidental Death Cover

At no extra cost, if you or your spouse has an accident that results in an injury which is the sole cause of death within 90 days of the injury, we will pay your estate $25,000.

Windscreen cover excess

Only applies where damage to windscreen is the only damage to the vehicle.

Terms, conditions, limits and exclusions apply. Please see the relevant PDS available on this website for details.



What Is Comprehensive Car Insurance? #car #loans #for #people #with #bad #credit


#comprehensive car insurance
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What Is Comprehensive Car Insurance?

Effects

Comprehensive car insurance covers damage to the vehicle that was not a result of a car accident. Comprehensive policies typically cover fire damage, theft, vandalism, animal damage, weather-related damage and damage caused by things falling on your car.

Deductible

Comprehensive car-insurance policies typically have deductibles, which is the amount of money you pay out of your own pocket for damages before the insurance company starts picking up the bill. Your insurance premiums are generally lower if you choose a high deductible. The most common deductible amount for comprehensive car insurance is about $500.

Benefits

Comprehensive car insurance costs relatively little when compared to the cost of replacing a car. Comprehensive coverage is an especially good idea if you have just bought a new or very expensive vehicle.

Considerations

Insurance companies sometimes exclude specific damages from comprehensive policies. Always check the fine print of an insurance policy before you sign so you have a clear idea of what is covered and what isn’t.

Misconceptions

Although many people think comprehensive car insurance will cover every type of damage, this just isn’t true. This type of insurance will only cover collision damage caused by hitting an animal. Comprehensive policies also won’t cover any damage you inflict on others or any medical bills.



What does travel insurance cover? #what #does #comprehensive #insurance #cover


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What does travel insurance cover?

Here s the very short answer:

Cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance.

These are the 5 basic types of coverage provided with vacation insurance. This page outlines the general coverage provided, and our full guide to coverage can be found here .

1. Cancelled Trips

This is the #1 concern with most travelers.

Plane tickets, cruise fare, tour packages, hotel rooms, charter fishing boats, golf greens fees.

You invest money when planning a trip. If these expenses are pre-paid and non-refundable, you risk losing it if something goes wrong.

Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart.

Insurance companies provide a list of covered reasons for trip cancellation. an overview of typical covered reasons is below.

Covered reasons to cancel your trip:

  • Sickness, injury, or death of you, a family member, or a traveling companion
  • Hurricane damages your destination or cancels your flight
  • Laid off from work or required to work
  • Terrorist incident in your destination city
  • Bankruptcy of your travel supplier
  • Called for jury duty

This is only a partial list, but you can see it covers very common situations for cancelling.

The most common reason is the first one someone getting sick or a family member passing away.

Trip Interruption Coverage is similar to cancellation coverage, but covers you while you are on your trip for the same list of covered reasons.

If something happens and you are required to return home, insurance will reimburse you for the lost portion of your trip as well as any additional expenses for the last-minute flight home.

2. Medical emergencies abroad

This is crucial, and often overlooked.

Most people think they are covered for medical emergencies if they already have existing health care insurance. Within the United States, that will be true.

Outside the U.S. however, is a big IF. Most do not provide coverage, and Medicare never covers you abroad.

Would you feel comfortable having a family member risk inadequate medical care in a foreign country?

For cruises, your health insurance from home may not cover you if you re traveling on a foreign-flagged ship (which includes most cruise ships).

Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel abroad.

Even if you are covered for basic emergency care overseas (again, a big IF), your current health insurance provider will almost certainly NOT pay to evacuate you and repatriate you back to the U.S.

3. Emergency evacuations

Emergency Evacuation Coverage will pay for emergency evacuation expenses such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care.

Evacuation expenses can be devastating.

An ambulance to the hospital, an airlift to a more adequate hospital, getting you back home on board a medically-staffed flight afterwards evacuation expenses can easily cost $50,000.

4. Lost bags, delayed bags, delayed flights

These coverage are for the “smaller things” that are nice to have. Again, the list is not complete but it will give you an idea of some additional coverages.

Baggage Coverage can reimburse you for your personal belongings if your luggage is lost, stolen or damaged.

Baggage Delay Coverage provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.

Travel Delay Coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.

5. Phone assistance 24/7 worldwide

This is about having a ‘lifeline’ to call when something happens.

Medical emergencies, stolen baggage, lost passports, cancelled flights. Every travel insurance company provides 24/7 support for all of these needs.

This service is most important when you have a medical issue.

24/7 Travel Assistance Services can help you:

  • Locate the nearest adequate hospital if needed
  • Organize medical transportation
  • Arrange for treatment and overcome any language barriers
  • Organize transportation home
  • Replace prescriptions in an emergency

In addition, non-medical assistance may include:

  • Lost baggage search; stolen luggage replacement assistance
  • Lost passport/travel documents assistance
  • Travel information including visa/passport requirements
  • Emergency telephone interpretation assistance

Additional coverage with travel insurance

Travel insurance can also provides coverage for:

Life Insurance coverage for accidental death or dismemberment.

Hazardous Sports extends the medical coverage to cover activities like SCUBA.

Rental Car Collision replaces your personal insurance or the rental company policy.

Identity Theft provides services to help in the event of identity theft while traveling.

Travel insurance covers cancellations, medical expenses, evacuations, losses or delays, and 24/7 assistance

Next in the series:
Coming up we will look at the Two Most Popular Types of Travel Insurance. where you’ll discover the type of plan that accounts for 96% of travel insurance plans.

How to save money and find the best travel insurance

Use a comparison tool to get quotes for all plans, easily compare, and buy online

  1. 1. Click the big orange button below: This will take you to the comparison tool
  2. 2. Enter your trip details: Dates, travelers, cost, etc. then click the Quote Now button
  3. 3. Use the tools to narrow your choice: Use the Filtering and Compare features to pick a plan
  4. 4. Buy online: After selecting a plan, use a credit card to securely enroll online
  5. 5. Rest assured: Instant confirmation of coverage and 10 Money Back guarantee

Purchase Your Plan Now Instantly quote, compare, and buy securely How it works Purchase Your Plan Now Instantly quote, compare, and buy securely How it works

About this website

The site features company reviews. guides. articles. and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.



Comprehensive Car Insurance – Car Insurance Quotes – Allianz Australia #car #values #bluebook


#comprehensive car insurance
#

Comprehensive Car Insurance

Customise your cover with our range of options

Comprehensive Car Insurance

Latest Car Insurance news

Product Disclosure Statement

Online discounts

Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year’s premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.

Minimum premiums may apply

Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice.

Car Insurance discounts

The online discount does not apply to Third Party Fire & Theft policies and Third Party Property Damage policies. Safe Driver Discount applies to new Allianz Car Insurance policies only. Drivers must be aged 30 years plus. Eligibility conditions in relation to all drivers. Discount available for new Allianz Car Insurance policies only.

$25,000 Accidental Death Cover

At no extra cost, if you or your spouse has an accident that results in an injury which is the sole cause of death within 90 days of the injury, we will pay your estate $25,000.

Windscreen cover excess

Only applies where damage to windscreen is the only damage to the vehicle.

Terms, conditions, limits and exclusions apply. Please see the relevant PDS available on this website for details.



Collision Damage Waiver #collision #and #comprehensive #insurance


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CDW/LDW – Collision and Loss Damage Waiver

CDW and LDW are common terms used in car hire insurance lingo, and they ultimately refer to the same thing – loss or damage to your hire car.

  • CDW is short for Collision Damage Waiver – This provides cover in the event of a collision or damage.
  • LDW is short for Loss Damage Waiver – This provides cover in the event of theft or loss of use of the vehicle.

Collision damage waiver and loss damage waiver policies offer varying levels of protection against damage, theft and loss depending on the country you’re hiring in and the company you’re hiring from. So, before you collect your hire car be sure to check exactly what cover you have in place.

Do I need Collision and Loss Damage Waiver Insurance?

In Europe, Africa and Australasia basic CDW/LDW insurance is normally included as standard with the rental car. However, in other countries (e.g. the USA and Canada) Collision and Loss Damage Waiver may have to be purchased separately. Cover can be purchased from the rental company, however this can often be more expensive and less comprehensive than buying from a specialist provider, such as iCarhireinsurance.com.

It’s also worth noting that vulnerable parts of the hire car are sometimes excluded from the rental companies CDW cover altogether e.g. tyres, roof, windscreens and undercarriage. This means that if these parts of the vehicle became damaged you would be liable to pay an excess .

Our CDW/LDW policies cover these exclusions as standard with ZERO excess!

CDW and LDW insurance from iCarhireinsurance.com

At iCarhireinsurance, full collision and loss damage waiver cover is included in both our USA Canada and Worldwide Plus policies and covers you for up to £100,000 in the event of damage, theft or loss to the rental vehicle. What’s more, these policies also cover excess fees of up to £6,000 – so regardless of whether your vehicle is lightly damaged, badly damaged or stolen, you wouldn’t be left a penny out of pocket!

To find out exactly what’s covered under our CDW/LDW insurance policies, click here to visit our Car Hire Insurance Product Page .



Fully Comprehensive Car Insurance #car #hire #mallorca


#comprehensive car insurance comparison
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Buy fully comprehensive insurance and get 2 for 1 cinema tickets

Take a friend to the cinema with 2 for 1 tickets. Any friend. Every week. All year.

Comparing different types of car insurance

OK, you want car insurance, but what kind will you choose?

Compare themarket .com can help you compare car insurance for all three of the main kinds, ‘fully comprehensive’, ‘third party, fire and theft’ and ‘third party only’.

People choose fully comprehensive car insurance, because it means you’re covered in most of the situations where you need insurance.

With this sort of policy you’re covered for damage to other people’s property, but also damage to your own car. That could be because you’ve been unlucky enough to have an accident on the road, your car’s been stolen or broken into, or if you’ve had a really, really bad day and your car has somehow caught fire.

Comprehensive car insurance

Comprehensive car insurance is usually thought of as being the most expensive type of car insurance. But actually you could be getting the best value if you choose fully comprehensive. This kind of car insurance covers your costs if you injure another person or damage someone’s property; it also pays for repairs to your car in many situations, even if the accident was your own fault.

The good thing about comprehensive car insurance is that, aside from any excess, you won’t need to fork out extra cash to cover the damage to your own car in an accident. With third party, fire and theft you’re generally only able to claim for the damage to someone else’s car or property, or if your car is stolen or gets set on fire.

We know it’s not the most fun thing to do, but you need to make sure you properly understand what your insurance policy covers. When you’re on our quote page, take a look at the ‘more details’ section for each insurance provider. It will give you a lot more information so that you really know what you’re about to buy.

Each policy will have different features and benefits which we will help you compare, like windscreen cover, a courtesy car and breakdown cover. If you want all these things, make sure you’re checking that they’re there and what the price difference is.

Remember that just choosing the cheapest car insurance price without looking at the details could mean that you don’t buy the insurance policy that covers you for what you actually need. You might get more options and better cover for a couple of extra pounds.

Many people choose ‘third party fire and theft cover’ or ‘third party only’ because they think it will be cheaper than comprehensive. But because of the strange and wonderful science of the insurance world, that’s not always the case.

Comparing quotes

Luckily it’s easy to check on compare themarket .com – you could find that the difference in cost between comprehensive and the third party insurance types can be less than a cup of tea.

To compare quotes, just fill in your details on our quote page and we will then ask you what kind of car insurance quotes you’re looking for. The three choices are comprehensive, third party fire and theft and third party only.

When you see the page comparing all those car insurance quotes, it’s easy to compare other insurance elements to see what they would cost you. Just change the options in the box at the top of the page and away you go.

Saving a little more

Once you’ve got an idea of prices you might be looking to save a bit more cash. There are a few ways you can do this.

One thing you could try is changing the excess on your policy. It’s a bit of a balancing act – you can pay less for your policy now by promising to pay more if you actually make a claim. But remember that if you have an accident or your car is damaged, you might not take too kindly to that high excess fee you chose.

Another option is to make your car more secure. Fitting an approved alarm or an immobiliser could stop potential criminals making off with your motor, and so car insurance companies might give you a cheaper car insurance price.

Where you park can make a difference too. Insurance might offer you a better price for locking your car in a garage, than if you kept your car out on the road at night.

Why use compare themarket .com

The best news of all, though, is that by using compare themarket .com to choose your car insurance, you’re pretty likely to save money. Some nice people at Consumer Intelligence found that 27% of our car insurance customers saved an average of £460 with compare themarket .com**.

So now you know about fully comprehensive car insurance, and a few other things as well, we’re sure. Click our quote button to start looking at the deals we have for you. Don’t forget, when it comes to insurance providers, we don’t choose favourites. All our results are ranked by price, with the cheap car insurance quotes at the top, and we are completely impartial.



Comprehensive Car Insurance Comparison #diecast #model #cars


#comprehensive car insurance comparison
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Comprehensive Car Insurance Comparison

Car Insurance

When looking to obtain comprehensive car insurance. shopping around is sound advice. This fact is true for a number of reasons as you want a reliable motor insurer, a company with a great reputation and one which has policies directed to your specific situation. You want the best possible comprehensive insurance and you definitely want the best value for your premium.

A comprehensive car insurance policy is, as the name implies, comprehensive insurance covering your car for damage from collisions, fire theft, etc. It also covers you should there be damage to someone else s property and for which you are liable. So having such a comprehensive cover, you should carefully compare what the various companies are offering to make sure it suits your vehicle and your hip pocket.

Why compare insurance policies?

Millions of drivers receive a renewal notice every year for their car insurance. They may check it or do what many do and simply pay it. Legally it is necessary to have cover so payment is duly made. But hang on a minute, what if you are paying too much? What if you can get the same cover or better but with a reduced premium? Don t be surprised to find you could potentially save hundreds of dollars.

There are certain things you need to sort out and understand in order to make a comparison.

  • How do you use your vehicle?
  • What sort of cover do you want?
  • How does the car insurance business work?

If you can give comprehensive answers to all these questions, you ll be in the pole position when comparing the various policies. Why pay for cover you don t want or need? Why noarn how the car insurance business operates and thus better choose your cover?

Now immediately you may think that making a comparison will take time and expert knowledge. You haven t got the time and you re no expert. Well that s just fine because you can take advantage of a brilliant free service on this web site which will give you all the information you need in a couple of minutes. Take a look at the two minute quote section to compare car insurance quotes .

Sitting on the phone waiting for a real person to answer and then giving your details over and over while waiting for a quote is time consuming and just plain boring. A free online quote giving you information from a variety of reputable insurers is the perfect solution.

Know your situation

The key is in knowing that all car insurance policies are not the same. You can t control some things like the age of your vehicle and your date of birth. But there are things you may be able to factor in when seeking a quote. For instance,Where you live, How often you use your car Where is it normally housed. All of these factors and more may influence your quote.

The online quote procedure is secure and your privacy is assured. The whole process is quick and comprehensive . You can t make a reliable choice without a range of options. You can easily obtain a number of quotes, study them at your leisure and then make a choice to suit your circumstances and your budget. Let your fingers do the walking.



Comprehensive Car Insurance – Vehicle Cover Quotes #comprehensive #car #insurance


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Car insurance

Safeguard yourself against unforeseen vehicle emergencies with our insurance for cars, light delivery vehicles, trailers, caravans and motorcycles.

Your car is an indispensable part of your life. Consider the many potential risks that your car is exposed to and ensure that it is sufficiently protected against any eventuality.

Use our online calculator to determine if your vehicle is sufficiently insured to protect your investment.

Vehicle insurance cover options:

  • Comprehensive. accidental loss or damage to a vehicle, including third party liability;
  • Limited (fire and theft). accidental loss of damage to a vehicle, including third party liability – only if the loss or damage is as a result of fire, lighting, explosion, theft or attempted theft; and
  • Third party only. this covers the amount for which you are legally liable to a third party (if the liability relates to the vehicle).

Comprehensive vehicle insurance includes the following benefits:

  • The option of replacing a vehicle after theft or loss;
  • Replacement costs for locks, keys and remote controls;
  • Recovery costs for found vehicle following theft or hijacking;
  • Emergency accommodation;
  • Emergency costs payable to public authorities; and
  • Trauma treatment.

Additional cover for comprehensively insured vehicles:

  • Comprehensively insured 4×4 vehicles qualify for 4×4 specific cover, at an added monthly premium. Extended benefits include, among others, increased cover for emergency repairs, cover for winching equipment, repatriation costs as well as an extension to countries where the vehicle will be covered*, vehicle hire automatically included;
  • If your comprehensively insured vehicle is a luxury vehicle you can also take out optional cover to get increased cover for loss of keys, tow-in costs, safeguarding after mechanical breakdown and many more;
  • You can waive the basic excess on your vehicle; and
  • You can also choose to cover the contents of your caravan or trailer, or specify certain accessories of your vehicle.

*Extended countries means the following: Normally your vehicle is covered in RSA, Namibia, Lesotho, Botswana, Swaziland, Zimbabwe, Malawi and Mozambique. Extended countries mean we also cover your vehicle in Angola, Zambia, Kenya, Tanzania, Burundi, Rwanda and the Democratic Republic of the Congo.

Brochure

Click below to read a comprehensive break-down of our personal lines insurance solutions.



What is the Difference Between Collision and Comprehensive Auto Insurance? mobile wiseGEEK #used #trucks


#comprehensive car insurance
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wiseGEEK: What is the Difference Between Collision and Comprehensive Auto Insurance?

While many drivers simply obtain minimal insurance required by their state or area of residence, some drivers prefer to add collision and comprehensive auto insurance to their policy, to protect their vehicles in a more wide range of situations. Comprehensive auto insurance is recommended for all drivers, as it covers a wide range of situations-essentially everything which is not covered by collision insurance. Usually collision and comprehensive auto insurance are offered in a bundled package, although it is possible to purchase the two types of coverage separately.

In some cases, purchase of a collision and comprehensive auto insurance package may be required, especially in the case of financed cars. When borrowing money for a car, it is an excellent idea to consider a collision and comprehensive auto insurance package so that even if the car is destroyed, funds are still available to cover the outstanding remainder of the loan. Usually lenders will require proof of such insurance to carry the loan.

In brief, comprehensive auto insurance covers everything except collision. Collision insurance protects drivers in the case of encounters with other vehicles, objects, people, and the surface of the road. Collision insurance will cover the driver whether or not he or she is at fault for the accident. It also provides for towing, storage, and salvage if the car has been badly damaged. Generally, collision insurance will cover the cost of repairs to the vehicle, or replacement if it is badly damaged, unless the repairs are due to mechanical failure as a result of improper maintenance.

Comprehensive auto insurance covers theft, fire, vandalism. weather damage, riots, missiles, and other similar circumstances which may cause damage to a vehicle. Comprehensive auto insurance does not usually cover acts of God, theft or vandalism by family members or employees, contents of the vehicle, tires, or damage due to improper maintenance.

In both the case of collision coverage and comprehensive auto insurance, several factors will influence the cost of the insurance. The age and experience of the driver, amount of yearly mileage anticipated, area in which the car will be driven, and value of the car will all be taken into account. With older cars, drivers should weigh the cost of the insurance against the value of the car to determine if the coverage should be carried. In almost all cases, collision and comprehensive auto insurance packages are subject to a deductible. which can range in price.



What is Comprehensive Auto Insurance? Get Comprehensive Car Insurance Coverage #car #starter


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Comprehensive Auto Insurance Explained

Comprehensive auto coverage is one of the most popular types of auto coverage, second to collision coverage. While comprehensive may be optional, many people still choose to include this form of coverage on their policies.  Comprehensive coverage, also known as other-than-collision (OTC) coverage, covers your vehicle in pretty much all cases that don t involve accidents with other vehicles. We ll talk more about the instances in which comprehensive coverage might be needed below.

The word comprehensive is an adjective meaning complete , or including all aspects or elements of something.  When it comes to auto insurance however, this is not the case.  Comprehensive, when talking about car insurance coverage, does not mean full coverage insurance like it s name suggests. Keep in mind that comprehensive coverage does not provide protection from scenarios involving collisions. Comprehensive coverage can not be substituted for collision coverage, which is required in almost all 50 states.

Why Get Comprehensive Coverage

Comprehensive coverage is not for everybody. Those that choose to get this type of coverage usually do so for newer, more expensive, vehicles. For many people, comprehensive coverage is well worth the higher premiums. For others, comprehensive coverage might just be an unneeded expense.

Comprehensive coverage can protect you in a wide variety of unfortunate scenarios. Comprehensive auto insurance can protect you in these  instances:

  • if stolen
  • damaged by flood
  • fire
  • animals (if you hit an animal or an animal damages your parked car)
  • vandalism
  • various natural disasters

As you can see, the large umbrella of protection  insurance companies provide is quite desirable, especially if you invested a lot of money into your vehicle. Those living in areas prone to these unpredictable events may find comprehensive coverage rather useful.

Make sure you read the terms of your policy closely to be 100% sure when you re covered in certain scenarios. Remember that no two insurance policies are the same (and you should be reading it thoroughly anyhow).

Not sure if comprehensive coverage is for you?  This is what insurers typically recommend:

  • Leased Vehicles   Comprehensive auto insurance is typically required for leased or financed vehicles by the financiers.
  • Newer Vehicles   If you ve spent a lot of money on a new car, or even on a higher end used vehicle, comprehensive coverage may be worth getting to protect your purchase.
  • Older Vehicles   Most older cars aren t worth covering with this extra layer of protection. From a financial perspective it may not be worth it (but for some protecting an older car is well worth it). Those with collector cars should find coverage with a company that specializes in this demographic.

Shopping For Comprehensive Coverage

At 4AutoInsuranceQuote, we ve made your search for comprehensive coverage as effortless as possible. To begin, all you have to do is enter your zip code at the top of the page. By doing so, you will get quotes for full auto coverage coverage policies from multiple companies.

Once you ve inputted your information on our brief questionnaire, we will connect you with the companies that best fit your needs, at the best price we can find.

Remember to choose your deductible wisely. The higher the deductible, the lower the premium.  (But we still suggest you set your deductible at an amount you can always afford.)

(Rule of thumb Set some standards for yourself before looking at offers from various companies and stick to them! Once you start looking at prices, you may be tempted to over-insure or under-insure your vehicles.)

Happy shopping!

Related Articles:

  • Comprehensive Insurance Comprehensive insurance when applied to auto insurance in the United States is insurance which offers a level of cover that covers a
  • Hit An Animal With My Car Will My Insurance Cover It really sucks to be driving on the road and to suddenly strike an innocent animal. Be it a deer, dog, cat,
  • Explaining Auto Insurance Coverage Types A common misconception surround auto insurance is that having a policy entitles you to all forms of coverage. This is far from
  • What An Insurance Policy Looks Like Auto insurance is required by law in all 50 states, and for good reason too. Auto insurance protects a car and its
  • Does Car Insurance Cover Theft? The United States is home to the most amount of automobiles in the world. There 240 million cars in this country, which


Fully Comprehensive Car Insurance #rent #a #car #for #cheap


#comprehensive car insurance comparison
#

Buy fully comprehensive insurance and get 2 for 1 cinema tickets

Take a friend to the cinema with 2 for 1 tickets. Any friend. Every week. All year.

Comparing different types of car insurance

OK, you want car insurance, but what kind will you choose?

Compare themarket .com can help you compare car insurance for all three of the main kinds, ‘fully comprehensive’, ‘third party, fire and theft’ and ‘third party only’.

People choose fully comprehensive car insurance, because it means you’re covered in most of the situations where you need insurance.

With this sort of policy you’re covered for damage to other people’s property, but also damage to your own car. That could be because you’ve been unlucky enough to have an accident on the road, your car’s been stolen or broken into, or if you’ve had a really, really bad day and your car has somehow caught fire.

Comprehensive car insurance

Comprehensive car insurance is usually thought of as being the most expensive type of car insurance. But actually you could be getting the best value if you choose fully comprehensive. This kind of car insurance covers your costs if you injure another person or damage someone’s property; it also pays for repairs to your car in many situations, even if the accident was your own fault.

The good thing about comprehensive car insurance is that, aside from any excess, you won’t need to fork out extra cash to cover the damage to your own car in an accident. With third party, fire and theft you’re generally only able to claim for the damage to someone else’s car or property, or if your car is stolen or gets set on fire.

We know it’s not the most fun thing to do, but you need to make sure you properly understand what your insurance policy covers. When you’re on our quote page, take a look at the ‘more details’ section for each insurance provider. It will give you a lot more information so that you really know what you’re about to buy.

Each policy will have different features and benefits which we will help you compare, like windscreen cover, a courtesy car and breakdown cover. If you want all these things, make sure you’re checking that they’re there and what the price difference is.

Remember that just choosing the cheapest car insurance price without looking at the details could mean that you don’t buy the insurance policy that covers you for what you actually need. You might get more options and better cover for a couple of extra pounds.

Many people choose ‘third party fire and theft cover’ or ‘third party only’ because they think it will be cheaper than comprehensive. But because of the strange and wonderful science of the insurance world, that’s not always the case.

Comparing quotes

Luckily it’s easy to check on compare themarket .com – you could find that the difference in cost between comprehensive and the third party insurance types can be less than a cup of tea.

To compare quotes, just fill in your details on our quote page and we will then ask you what kind of car insurance quotes you’re looking for. The three choices are comprehensive, third party fire and theft and third party only.

When you see the page comparing all those car insurance quotes, it’s easy to compare other insurance elements to see what they would cost you. Just change the options in the box at the top of the page and away you go.

Saving a little more

Once you’ve got an idea of prices you might be looking to save a bit more cash. There are a few ways you can do this.

One thing you could try is changing the excess on your policy. It’s a bit of a balancing act – you can pay less for your policy now by promising to pay more if you actually make a claim. But remember that if you have an accident or your car is damaged, you might not take too kindly to that high excess fee you chose.

Another option is to make your car more secure. Fitting an approved alarm or an immobiliser could stop potential criminals making off with your motor, and so car insurance companies might give you a cheaper car insurance price.

Where you park can make a difference too. Insurance might offer you a better price for locking your car in a garage, than if you kept your car out on the road at night.

Why use compare themarket .com

The best news of all, though, is that by using compare themarket .com to choose your car insurance, you’re pretty likely to save money. Some nice people at Consumer Intelligence found that 27% of our car insurance customers saved an average of £460 with compare themarket .com**.

So now you know about fully comprehensive car insurance, and a few other things as well, we’re sure. Click our quote button to start looking at the deals we have for you. Don’t forget, when it comes to insurance providers, we don’t choose favourites. All our results are ranked by price, with the cheap car insurance quotes at the top, and we are completely impartial.



Collision vs. Comprehensive Car Insurance #cheap #car #insurance #for #young #drivers


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Collision vs. Comprehensive Car Insurance

So what’s the difference between collision and comprehensive car insurance, and why is that important to me as a driver? These are two often misunderstood terms, but they have grand implications for coverage when it comes to getting reimbursed for damages from auto insurance. The protection of your vehicle ultimately depends on the type of accidents you get into, and what you’ll get reimbursed for. Together with liability coverage, these are the two of the three most common types of auto insurance, and tend to work hand-in-hand to repair or replace most of the damages to your car, so it’s important to know the difference, and make sure you’re adequately covered.

Contents

Collision Car Insurance: What is Collision Coverage?

Collision car insurance refers to protection for your car when it is involved in a crash with another vehicle or a stationary object. Most car crashes and auto accidents fall under this kind of insurance policy. The types of damages include crashing into another vehicle, another vehicle colliding with yours, or ramming into a streetlight, pole, or some other stationary object. It’ll cover the cost of repairs or replacements to your own car (liability coverage and insurance takes care of damages to other people’s property).

Comprehensive Car Insurance: What is Comprehensive Coverage?

Comprehensive car insurance is usually overshadowed by its better known cousin, collision insurance, but it’s just as important. Otherwise known as “other than collision” or “comprehensive coverage”, the phrase is a bit of a misnomer. It actually doesn’t give you complete coverage, contrary to what its name might indicate. Comprehensive car insurance really just covers damages to your vehicle not caused by a collision, and car owners can be surprised by how much this can encompass. Read below for examples of damages, and an evaluation of whether you need comprehensive insurance for your vehicle.

Collision vs. Comprehensive Car Insurance: What is the Difference?

The key difference in collision vs. comprehensive coverage is to a certain extent the element of the car driver’s control. Collision insurance will typically cover events within a motorist’s control, or when another vehicle collides with your car. Comprehensive coverage generally falls under “acts of God or nature”, that are typically out of your control when driving – a spooked deer, a heavy hailstorm, a carjacking, etc. Let’s take an example of Superstorm Sandy, which ravaged portions of the East Coast in October of 2012, to illustrate the differences of collision vs. comprehensive coverage. You can easily imagine the type of devastation to cars, among other things, that occurred during the week of Superstorm Sandy. Let’s take two unfortunate but likely events: the damage from a heavy tree branch falling on your car, and crashing into a tree when swerving to avoid a falling tree trunk. Generally speaking, because you as a car driver have no control over when or why a tree branch would fall on your car, this kind of accident would likely get reimbursed under your comprehensive policy. In the second situation, collision damage would pay for repairs to your car. Even though the primary and intervening cause was a falling tree part, the ultimate destruction to your car came from you driving a car into a stationary object. Regardless of which event hypothetically occurred to you, you can see why telling collision vs. comprehensive coverage apart can matter.

Types of Damages Covered Under Comprehensive Auto Insurance

Below are a couple examples of accidents and mishaps other than fender-benders:

  • Natural disasters: storms, tornadoes, hurricanes, earthquakes, hailstorms
  • Fire, civil commotions, explosions
  • Vandalism and theft
  • Damage from impacts with animals (deer, etc.); note: a crash from swerving to avoid animals will likely fall under collision
  • Broken / shattered windows and windshield
  • Falling objects
  • Acts of God

The amount of misfortune that can happen to your car can be quite surprising! We take the normal functioning and operation of our car for granted. Outside of keeping normal wear, tear, and routine maintenance or repairs in mind, the other major precaution is to beware crashing into other cars or pedestrians. Fortunately, a lot of these events are within our control, and those of our other fellow drivers. Unfortunately, there are natural and climate-related disasters, or unexpected incidents such as mobs, or nuclear war that can randomly but surely total your car. Hopefully, you have some measure of comprehensive coverage to soften the blow.

Is Comprehensive Car Insurance Worth It? Do I Need Comprehensive Coverage?

So does having a comprehensive policy make sense for you and your faithful car? It depends on several factors.

Does your state or auto financing loan require you to have it? Then easy answer: yes.

How old is your car?

Generally speaking, your policy will reimburse you on the current cash value of your car, and not the original value. We all know that cars depreciate in value rather rapidly. So if your car is a bit older and has less market value, then it makes less sense to get a policy, to go for a high-deductible policy, or to pay additional premiums that may wind up costing more than your car is worth

What Do Collision and Comprehensive Coverage Cost?



Comprehensive car insurance explained. #used #auto #sales


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Do I need comprehensive car insurance?

%img src=”http://www.confused.com/%3C/h2%3E%0D%0A%3Cp%3E/media/themes/fab-four/article-content-images/car-insurance/cars-in-a-row-main.jpg?la=en-GB” /%

What is comprehensive car insurance?

Comprehensive car insurance also known as fully comp cover is one of the higher levels of protection you can get for your motor.

Third-party only and third-party, fire and theft policies cover damage to others as the result of an accident that was deemed your fault. Any damage to your own car is your own problem.

Comprehensive policies, on the other hand, cover for damage to your car as well.

Why should I consider upgrading to comprehensive cover?

With comprehensive car insurance, you can claim from your insurer for accidents that are deemed to be your fault.

It also applies when fault can t be proven, eg if you return to your car after shopping to find that someone has hit you and driven off.

Without comprehensive cover, you risk having to fork out for repairs yourself. Worse still, if your car is written off you ll have to pay for a brand-new motor.

A comprehensive policy gives you that added level of protection and peace of mind that you won t necessarily have to pay for expensive repairs just your compulsory and voluntary excess .

Is comprehensive insurance more expensive than other policy types?

You d be forgiven for thinking that a comprehensive policy is always more expensive than third-party only cover, or third-party, fire and theft.

This is usually the case, but not always. So when comparing policies it s worth looking at the difference in price between comprehensive and third-party policies.

You may find that comprehensive insurance actually works out as cheap as a third-party policy. You may not need to compromise on your cover just to save a few quid.

Hang on. How come comprehensive cover is sometimes cheaper?

%img src=”http://www.confused.com/%3C/p%3E%0D%0A%3Cp%3E/media/themes/fab-four/article-content-images/car-insurance/how-to-change-main.png?la=en-GB” /%

It s because a lot of high-risk drivers tend to go for third-party cover as a way of lowering their insurance costs.

As a result, the statistics begin to skew towards a higher number of claims on third-party policies.

This means that the overall cost of third-party cover goes up. That s why it s worth checking the cost of all levels of cover, just in case.

Where comprehensive cover could fall short

Despite its name, a comprehensive insurance policy may fall short in some areas.

Certain policy extras may come as standard with some insurers, whereas others might charge you for the privilege.

It s always best to check the policy details before you buy don t assume that you ll be entitled to all the bells and whistles.

Two of the most common policy add-ons are:

Courtesy car

Many insurers let you use another car while yours is being repaired, but not all of them. It s also worth noting that courtesy cars usually aren t provided if your car is written off.

Breakdown cover

Usually an optional extra that comes at a cost, though some insurers may throw it in as an incentive. If it doesn t come as standard, it s worth shopping round for the best breakdown deals.

Other ways to save on your car insurance

Car insurance often isn t cheap, this is true. But going for a lower level of cover just to save money might be a false economy.

Having the minimum level of cover means that you might end up paying out more in the long run, especially if you re involved in an accident where the fault is yours or can t be determined.

If saving money is your main concern, there are a number of other ways to lower your car insurance costs .



What Is Comprehensive Auto Insurance? #car #rental #comparison


#comprehensive car insurance
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What Is Comprehensive Auto Insurance?

Updated: October 2015

When you’re thinking about buying car insurance, you have a number of factors to consider. One question you might have is, “What is comprehensive coverage?”

Comprehensive Car Insurance Coverage: A Definition

When people hear the word “comprehensive,” they might think “all-encompassing” but in car insurance terms, the word has a different meaning.

Simply put, comprehensive coverage protects you against damages to your car that are the result of covered perils not related to a collision. Think of a scenario that could cause damage to your car that has nothing to do with striking another vehicle. In many cases, this can include:

  • Theft
  • Vandalism
  • Fire
  • Natural disasters like a hurricane or a tornado
  • Falling objects
  • Damage done to your car by animals
  • A civil disturbance, like a riot that results in damage or destruction of your car

As with all insurance policies, you should check with your insurance agent to make sure what perils are included under the comprehensive coverage of your auto insurance policy.

Get A Quick, Personalized Auto Quote Today



What Is Comprehensive Car Insurance? #alpine #car #audio


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What Is Comprehensive Car Insurance?

Effects

Comprehensive car insurance covers damage to the vehicle that was not a result of a car accident. Comprehensive policies typically cover fire damage, theft, vandalism, animal damage, weather-related damage and damage caused by things falling on your car.

Deductible

Comprehensive car-insurance policies typically have deductibles, which is the amount of money you pay out of your own pocket for damages before the insurance company starts picking up the bill. Your insurance premiums are generally lower if you choose a high deductible. The most common deductible amount for comprehensive car insurance is about $500.

Benefits

Comprehensive car insurance costs relatively little when compared to the cost of replacing a car. Comprehensive coverage is an especially good idea if you have just bought a new or very expensive vehicle.

Considerations

Insurance companies sometimes exclude specific damages from comprehensive policies. Always check the fine print of an insurance policy before you sign so you have a clear idea of what is covered and what isn’t.

Misconceptions

Although many people think comprehensive car insurance will cover every type of damage, this just isn’t true. This type of insurance will only cover collision damage caused by hitting an animal. Comprehensive policies also won’t cover any damage you inflict on others or any medical bills.



Comprehensive car insurance explained. #car #starter


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Do I need comprehensive car insurance?

%img src=”http://www.confused.com/%3C/h2%3E%0D%0A%3Cp%3E/media/themes/fab-four/article-content-images/car-insurance/cars-in-a-row-main.jpg?la=en-GB” /%

What is comprehensive car insurance?

Comprehensive car insurance also known as fully comp cover is one of the higher levels of protection you can get for your motor.

Third-party only and third-party, fire and theft policies cover damage to others as the result of an accident that was deemed your fault. Any damage to your own car is your own problem.

Comprehensive policies, on the other hand, cover for damage to your car as well.

Why should I consider upgrading to comprehensive cover?

With comprehensive car insurance, you can claim from your insurer for accidents that are deemed to be your fault.

It also applies when fault can t be proven, eg if you return to your car after shopping to find that someone has hit you and driven off.

Without comprehensive cover, you risk having to fork out for repairs yourself. Worse still, if your car is written off you ll have to pay for a brand-new motor.

A comprehensive policy gives you that added level of protection and peace of mind that you won t necessarily have to pay for expensive repairs just your compulsory and voluntary excess .

Is comprehensive insurance more expensive than other policy types?

You d be forgiven for thinking that a comprehensive policy is always more expensive than third-party only cover, or third-party, fire and theft.

This is usually the case, but not always. So when comparing policies it s worth looking at the difference in price between comprehensive and third-party policies.

You may find that comprehensive insurance actually works out as cheap as a third-party policy. You may not need to compromise on your cover just to save a few quid.

Hang on. How come comprehensive cover is sometimes cheaper?

%img src=”http://www.confused.com/%3C/p%3E%0D%0A%3Cp%3E/media/themes/fab-four/article-content-images/car-insurance/how-to-change-main.png?la=en-GB” /%

It s because a lot of high-risk drivers tend to go for third-party cover as a way of lowering their insurance costs.

As a result, the statistics begin to skew towards a higher number of claims on third-party policies.

This means that the overall cost of third-party cover goes up. That s why it s worth checking the cost of all levels of cover, just in case.

Where comprehensive cover could fall short

Despite its name, a comprehensive insurance policy may fall short in some areas.

Certain policy extras may come as standard with some insurers, whereas others might charge you for the privilege.

It s always best to check the policy details before you buy don t assume that you ll be entitled to all the bells and whistles.

Two of the most common policy add-ons are:

Courtesy car

Many insurers let you use another car while yours is being repaired, but not all of them. It s also worth noting that courtesy cars usually aren t provided if your car is written off.

Breakdown cover

Usually an optional extra that comes at a cost, though some insurers may throw it in as an incentive. If it doesn t come as standard, it s worth shopping round for the best breakdown deals.

Other ways to save on your car insurance

Car insurance often isn t cheap, this is true. But going for a lower level of cover just to save money might be a false economy.

Having the minimum level of cover means that you might end up paying out more in the long run, especially if you re involved in an accident where the fault is yours or can t be determined.

If saving money is your main concern, there are a number of other ways to lower your car insurance costs .



Fully Comprehensive Car Insurance #used #smart #car


#comprehensive car insurance
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Compare fully comprehensive car insurance quotes

By Kevin Pratt on Tuesday 10 November 2015

Fully comprehensive car insurance offers the most complete level of cover available, but it doesn’t necessarily work out to be the most expensive.

What is fully comprehensive car insurance?

Fully comprehensive car insurance policies offer the most complete level of car insurance protection available.

With fully comprehensive car insurance, however, your own car is also insured against fire, theft and accidental damage, while most policies cover personal effects such as sat nav systems.

What’s more, as the policyholder, you will generally be insured (at least third party) to drive another car with the owner’s permission.

Is the cover really comprehensive?

Not all fully comprehensive car insurance policies are the same though. Some insurers, for example, include a courtesy car if your vehicle is off the road, or windscreen cover as a standard feature. With others, however, extras such as these come at a price.

Consequently, it is vital to read the policy small print to make sure that you are comparing like for like when you are searching for fully comprehensive car insurance.

Remember too that the cheapest policy is not always the best deal. MoneySupermarket’s comparison service can help you choose the best policy for your individual needs.

Most car insurance policies impose a standard compulsory excess, which is the amount you must pay towards any claim

How does fully comprehensive car insurance compare on price?

It seems logical that third party, or third party fire and theft car insurance will work out cheaper than comprehensive cover due to the fact they offer less protection.

However, research from MoneySupermarket reveals that this is not always the case, with younger drivers in particular often finding it costs less to insure their cars on a fully comprehensive basis.

The main reason for this is that insurers have noticed that motorists with riskier profiles often tend to opt for third party car insurance policies and because they go on to make more claims, it bumps up the cost of this type of cover. Therefore, even if you’re trying to keep the cost down, you may find you don’t have to cut back on the level of cover to do so.

Here are some top tips on how to obtain cheaper fully comprehensive car insurance quotes:

Pick the right car

Insurers divide cars into 50 car insurance groups according to various factors including their engine size and the likely cost of repairs.

The higher the car insurance group, the higher the premium you will pay.

So if you are thinking about buying a new car, it therefore pays to check which group it belongs to at http://www.thatcham.org/ before taking the plunge.

Pay a higher excess

Most car insurance policies impose a standard compulsory excess, which is the amount you must pay towards any claim.

If you agree to pay a larger excess, however, insurers will generally reward you with a lower premium.

Just make sure that you can afford to pay the excess should you need to make a claim.

Also, check what difference increasing the excess makes. If you decide that if increasing your voluntary excess by £100 only reduces your premium by, say £25, you’d rather pay the higher premium just in case you have to make a claim. After all, often when you have to make a claim it is because of something that was beyond your control.

Enhance your security

Fitting your car with an approved security device, such as an alarm or immobiliser, can help to deter thieves and so reduce the likelihood of a theft claim.

Insurers recognise this are will offer you lower premiums as a result.

Park in secure location

More than 50% of vehicle thefts occur at night. Understandably, insurers therefore reward drivers who keep their cars in locked garages overnight with lower premiums.

Keep mileage down

Motorists who drive fewer miles are less likely to make claims.

If you rarely drive, or you only go to the local shops, it is therefore worth negotiating a low mileage limit with your insurer to reduce your premiums.

Compare fully comprehensive car insurance quotes online

One in four British motorists automatically stick with their insurers year after year.

But you can save hundreds of pounds a year by shopping around for competitive fully comprehensive car insurance quotes when your insurance is due for renewal.

MoneySupermarket’s free car insurance comparison service is a quick and easy way to search the market and save money – whether you are looking for fully comprehensive car insurance or not.



What Is Comprehensive Auto Insurance? #sell #cars


#comprehensive car insurance
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What Is Comprehensive Auto Insurance?

Updated: October 2015

When you’re thinking about buying car insurance, you have a number of factors to consider. One question you might have is, “What is comprehensive coverage?”

Comprehensive Car Insurance Coverage: A Definition

When people hear the word “comprehensive,” they might think “all-encompassing” but in car insurance terms, the word has a different meaning.

Simply put, comprehensive coverage protects you against damages to your car that are the result of covered perils not related to a collision. Think of a scenario that could cause damage to your car that has nothing to do with striking another vehicle. In many cases, this can include:

  • Theft
  • Vandalism
  • Fire
  • Natural disasters like a hurricane or a tornado
  • Falling objects
  • Damage done to your car by animals
  • A civil disturbance, like a riot that results in damage or destruction of your car

As with all insurance policies, you should check with your insurance agent to make sure what perils are included under the comprehensive coverage of your auto insurance policy.

Get A Quick, Personalized Auto Quote Today



What Is Comprehensive Car Insurance? #book #value #of #a #car


#comprehensive car insurance
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What Is Comprehensive Car Insurance?

Effects

Comprehensive car insurance covers damage to the vehicle that was not a result of a car accident. Comprehensive policies typically cover fire damage, theft, vandalism, animal damage, weather-related damage and damage caused by things falling on your car.

Deductible

Comprehensive car-insurance policies typically have deductibles, which is the amount of money you pay out of your own pocket for damages before the insurance company starts picking up the bill. Your insurance premiums are generally lower if you choose a high deductible. The most common deductible amount for comprehensive car insurance is about $500.

Benefits

Comprehensive car insurance costs relatively little when compared to the cost of replacing a car. Comprehensive coverage is an especially good idea if you have just bought a new or very expensive vehicle.

Considerations

Insurance companies sometimes exclude specific damages from comprehensive policies. Always check the fine print of an insurance policy before you sign so you have a clear idea of what is covered and what isn’t.

Misconceptions

Although many people think comprehensive car insurance will cover every type of damage, this just isn’t true. This type of insurance will only cover collision damage caused by hitting an animal. Comprehensive policies also won’t cover any damage you inflict on others or any medical bills.



What Is Comprehensive Insurance? #car #engines


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Comprehensive Insurance

What does comprehensive coverage do?

Comprehensive insurance covers damage to your car from incidents other than collisions. This normally includes coverage for:

  • Theft
  • Vandalism
  • Glass damage (such as a broken windshield)
  • Damage sustained from hitting an animal or bird
  • Damage from falling objects or missiles
  • Fire
  • Floodwaters
  • Damage sustained due to severe weather or natural disaster — such as wind storm, hail, hurricane, tornado, etc.

To have physical damage full coverage on your vehicle, you need to obtain not only comprehensive but also collision coverage. Collision will cover you if your car hits, or is hit by, another vehicle or object. Some insurance companies will not offer you comprehensive coverage unless you also carry collision coverage as part of your car insurance policy.

When obtaining a quote for comprehensive coverage, you will need to choose a deductible amount. A deductible is the portion of a claim that you re responsible for paying before your insurance benefits start to pay out.

The value of the car, your driving record, the deductible you choose and repair costs determine the cost of comprehensive coverage, but it is usually very affordable. The average annual cost nationwide for comprehensive coverage is just $134, according to the Insurance Information Institute. That’s not much to pay to ensure you get the actual cash value (ACV) for your car, minus the deductible, if your car is totaled. ACV is how much your car is worth on the market before it sustained damages.

Comprehensive claims will not raise your rates unless you file multiple claims in a short period.

Is comprehensive coverage mandatory?

Comprehensive insurance is not legally required by any state. Most states require property damage liability so that your insurer will pay (up to your limits) if you damage other people s vehicles or property, but states do not require that you carry coverage to pay for damages to your own car.

However, if you have a loan or lease on your vehicle, then your lienholder can (and usually will) require that you carry this coverage and may mandate the specific deductible amount you have to select.

If want to lower your insurance premium by raising your deductible while your car is still financed, be sure to check with your lienholder to see if they will allow a higher deductible than what you are currently carrying.

What is the recommended deductible?

Usually, you can choose for your comprehensive deductible an amount anywhere from $100 to $2,500 (deductible choices vary according to state laws and insurance company guidelines). Most car owners choose a deductible of between $250 and $1,000.

The higher the deductible the less expensive your premium will be, because the insurer is taking less risk of paying out for claims.

Take your own finances into account when choosing a deductible. Saving money on your premium is nice, but do you have the ability to take on a larger out-of-pocket expense when making a claim? For example, if you set your deductible at $1,000 and your car sustains damages totaling $1,800, you will pay $1,000 and your insurance company will pay $800.

Deductibles are normally due per incident, so you will have to pay your deductible amount out every time you make a comprehensive claim. The exception being if you live in a state where laws require the deducible to be waived for windshield claims.

What happens if I don t have comprehensive coverage?

Without comprehensive coverage, you cannot make a car insurance claim if your vehicle receives damage that is considered other than collision damage by your insurer. This leaves you personally responsible to pay for the repairs, unless there is someone else found liable for the damages (such as a vandal or car thief) that is known and available for you to go after for the repair costs.

With a newer, high valued car, you will usually want this added protection for your vehicle, whether you have financed it or not. If your car is stolen soon after you buy it, you don t want to be out the full cost of a replacement vehicle.

If you have an older car with a low value (without a lease or loan on it), you may not want to pay for this coverage since if the car is damaged, or totaled, the low insurance compensation amount may not be worth the premium paid out.

Knowing how much your vehicle is worth can help you decide if comprehensive coverage is worth the extra cost. Find out the current value of your car by using appraisal tools offered on sites such as Kelley Blue Book (KBB), NADAguides, and Edmunds.



Compare Comprehensive Car Insurance at #car #pc


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Comprehensive car insurance

Compare comprehensive car insurance from multiple brands to get the right deal

Key points


  • A comprehensive policy will cover you for injury to others (including passengers), damage to third party property, liability whilst towing, fire damage, theft and loss or damage to your vehicle
  • While comprehensive car insurance offers more extensive cover than third party options all policies will differ, so compare product features and be aware of ‘stripped back’ policies
  • Choosing a comprehensive policy isn’t always more expensive than buying a third party one
  • Don’t assume you’re covered to drive other cars if you have a comprehensive policy

While all policies vary and you always need to read your terms and conditions, choosing fully comprehensive car insurance should deliver a high level of cover for unfortunate motoring incidents.

It provides third party cover for claims made against you for injuries to other people, including passengers, as well as damage to other cars or property.

A comprehensive policy will also insure your vehicle against theft, fire and accidental damage.

Many fully comprehensive policies have additional benefits, such as providing a courtesy car whilst yours is in the garage, paying for medical treatment following a road accident, covering the theft of extras such as sat-nav systems and/or paying to repair damaged windscreens.

Bear in mind that some so-called comprehensive policies may be ‘stripped back’ policies offering a level of cover that you may consider rather basic.

Even if you’ve requested comprehensive cover, you should always take time to look at the terms of a particular policy.

Gocompare.com was built on the principle of helping you review policy features as well as price and we also use Defaqto star ratings to further distinguish the options you see in our quotes process.

Is fully comprehensive car insurance essential?

It’s a legal requirement in the UK to have car insurance. but it doesn’t have to be fully comprehensive.

So long as a driver has basic car insurance, he or she should be covered for damage caused to another person, vehicle or property.

However, third party policies will not cover you or your car in the event of an accident and don’t include many of the extras that can make life a lot easier if the worst happens.

What other types of car insurance are there?

Other car insurance options include third party only and third party, fire and theft. Not all car insurers offer third party only options, which are the most basic type of cover.

See also:

Some motorists believe that third party, or third party, fire and theft, are always the cheapest options. While this may often be true, you should be aware that this isn’t always the case.

One of the reasons for this is that third party options tend to attract more high-risk drivers, meaning that insurers see statistics showing them that third party policies are a high risk.

Comprehensive cover can sometimes cost about the same as, or even less than, third party, fire and theft. This means that a driver who opts for third party, fire and theft could be paying just as much as someone with a comprehensive policy, but they’ll have less cover.

If you’re looking to save money on comprehensive car insurance. there could be better ways.

Should you choose to use Gocompare.com’s comparison service, you’ll be presented with the clear option of whether you want to consider comprehensive policies, third party only, or third party fire and theft.

Another option is one of the most innovative products on the market, telematics car insurance. a policy that bases the premium you pay on the way that you drive. Gocompare.com’s quotes service offers the opportunity to compare telematics policies against more traditional products.

Can I drive other vehicles if I have comprehensive car insurance?

Motorists often assume that, if they have their own comprehensive car insurance, they’re covered third party to drive anybody else’s car.

But this isn’t necessarily the case and you should always check your policy or contact your insurer before driving another vehicle – read more in our article on cover to drive other vehicles .



What is Comprehensive Auto Insurance? Get Comprehensive Car Insurance Coverage #car #seat #cushions


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Comprehensive Auto Insurance Explained

Comprehensive auto coverage is one of the most popular types of auto coverage, second to collision coverage. While comprehensive may be optional, many people still choose to include this form of coverage on their policies.  Comprehensive coverage, also known as other-than-collision (OTC) coverage, covers your vehicle in pretty much all cases that don t involve accidents with other vehicles. We ll talk more about the instances in which comprehensive coverage might be needed below.

The word comprehensive is an adjective meaning complete , or including all aspects or elements of something.  When it comes to auto insurance however, this is not the case.  Comprehensive, when talking about car insurance coverage, does not mean full coverage insurance like it s name suggests. Keep in mind that comprehensive coverage does not provide protection from scenarios involving collisions. Comprehensive coverage can not be substituted for collision coverage, which is required in almost all 50 states.

Why Get Comprehensive Coverage

Comprehensive coverage is not for everybody. Those that choose to get this type of coverage usually do so for newer, more expensive, vehicles. For many people, comprehensive coverage is well worth the higher premiums. For others, comprehensive coverage might just be an unneeded expense.

Comprehensive coverage can protect you in a wide variety of unfortunate scenarios. Comprehensive auto insurance can protect you in these  instances:

  • if stolen
  • damaged by flood
  • fire
  • animals (if you hit an animal or an animal damages your parked car)
  • vandalism
  • various natural disasters

As you can see, the large umbrella of protection  insurance companies provide is quite desirable, especially if you invested a lot of money into your vehicle. Those living in areas prone to these unpredictable events may find comprehensive coverage rather useful.

Make sure you read the terms of your policy closely to be 100% sure when you re covered in certain scenarios. Remember that no two insurance policies are the same (and you should be reading it thoroughly anyhow).

Not sure if comprehensive coverage is for you?  This is what insurers typically recommend:

  • Leased Vehicles   Comprehensive auto insurance is typically required for leased or financed vehicles by the financiers.
  • Newer Vehicles   If you ve spent a lot of money on a new car, or even on a higher end used vehicle, comprehensive coverage may be worth getting to protect your purchase.
  • Older Vehicles   Most older cars aren t worth covering with this extra layer of protection. From a financial perspective it may not be worth it (but for some protecting an older car is well worth it). Those with collector cars should find coverage with a company that specializes in this demographic.

Shopping For Comprehensive Coverage

At 4AutoInsuranceQuote, we ve made your search for comprehensive coverage as effortless as possible. To begin, all you have to do is enter your zip code at the top of the page. By doing so, you will get quotes for full auto coverage coverage policies from multiple companies.

Once you ve inputted your information on our brief questionnaire, we will connect you with the companies that best fit your needs, at the best price we can find.

Remember to choose your deductible wisely. The higher the deductible, the lower the premium.  (But we still suggest you set your deductible at an amount you can always afford.)

(Rule of thumb Set some standards for yourself before looking at offers from various companies and stick to them! Once you start looking at prices, you may be tempted to over-insure or under-insure your vehicles.)

Happy shopping!

Related Articles:

  • Comprehensive Insurance Comprehensive insurance when applied to auto insurance in the United States is insurance which offers a level of cover that covers a
  • Hit An Animal With My Car Will My Insurance Cover It really sucks to be driving on the road and to suddenly strike an innocent animal. Be it a deer, dog, cat,
  • Explaining Auto Insurance Coverage Types A common misconception surround auto insurance is that having a policy entitles you to all forms of coverage. This is far from
  • What An Insurance Policy Looks Like Auto insurance is required by law in all 50 states, and for good reason too. Auto insurance protects a car and its
  • Does Car Insurance Cover Theft? The United States is home to the most amount of automobiles in the world. There 240 million cars in this country, which


What is the Difference Between Collision and Comprehensive Auto Insurance? mobile wiseGEEK #rc #car


#comprehensive car insurance
#

wiseGEEK: What is the Difference Between Collision and Comprehensive Auto Insurance?

While many drivers simply obtain minimal insurance required by their state or area of residence, some drivers prefer to add collision and comprehensive auto insurance to their policy, to protect their vehicles in a more wide range of situations. Comprehensive auto insurance is recommended for all drivers, as it covers a wide range of situations-essentially everything which is not covered by collision insurance. Usually collision and comprehensive auto insurance are offered in a bundled package, although it is possible to purchase the two types of coverage separately.

In some cases, purchase of a collision and comprehensive auto insurance package may be required, especially in the case of financed cars. When borrowing money for a car, it is an excellent idea to consider a collision and comprehensive auto insurance package so that even if the car is destroyed, funds are still available to cover the outstanding remainder of the loan. Usually lenders will require proof of such insurance to carry the loan.

In brief, comprehensive auto insurance covers everything except collision. Collision insurance protects drivers in the case of encounters with other vehicles, objects, people, and the surface of the road. Collision insurance will cover the driver whether or not he or she is at fault for the accident. It also provides for towing, storage, and salvage if the car has been badly damaged. Generally, collision insurance will cover the cost of repairs to the vehicle, or replacement if it is badly damaged, unless the repairs are due to mechanical failure as a result of improper maintenance.

Comprehensive auto insurance covers theft, fire, vandalism. weather damage, riots, missiles, and other similar circumstances which may cause damage to a vehicle. Comprehensive auto insurance does not usually cover acts of God, theft or vandalism by family members or employees, contents of the vehicle, tires, or damage due to improper maintenance.

In both the case of collision coverage and comprehensive auto insurance, several factors will influence the cost of the insurance. The age and experience of the driver, amount of yearly mileage anticipated, area in which the car will be driven, and value of the car will all be taken into account. With older cars, drivers should weigh the cost of the insurance against the value of the car to determine if the coverage should be carried. In almost all cases, collision and comprehensive auto insurance packages are subject to a deductible. which can range in price.



Comprehensive Car Insurance – NRMA Insurance #car #sale


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Comprehensive

Cover for your car and other people’s vehicles and property

Comprehensive Car Insurance in NSW starts from as little as $1.65 a day. For that we cover your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. Plus we cover the extras on your car like alloy wheels, sunroofs and custom sound systems^. It also includes hire car cover for up to 21 days if your car’s stolen.

What’s covered?

  • Modifications, options and accessories^
  • Emergency repairs up to $800
  • Hire car after theft or attempted theft up to $65 a day up to 21 days
  • New for old replacement if you’re car is written off in its first 2 years
  • Liability cover up to $20 million
  • Tools of trade up to $1,500 (business use vehicles)
  • Towing

Optional cover

You can add options to your policy to increase your Comprehensive Car Insurance cover.

  • Hire Car: if your car is involved in an incident other than theft we’ll pay the cost of a hire car up to $65 a day for up to 14 days
  • Windscreen : repair or replace your vehicle’s windscreen, sunroof, or window glass without paying the basic excess
  • No Claim Bonus Protection: your No Claim Bonus won’t change for the first claim you make in a policy year, even if you’re the driver who caused the incident

Comprehensive Plus, our highest level of cover

NRMA Comprehensive Plus Car Insurance provides all the features of our Comprehensive Car Insurance, with additional cover to give you peace of mind.

Comprehensive Plus offers the following cover:

  • Hire car up to $95 a day until your car is repaired or your claim is settled
  • Excess-free windscreen, sunroof and window glass damage

Important documents

** Additional excess applies to drivers under 25 or with less than 2 years’ driving experience. Cover is subject to standard underwriting guidelines and policy terms. Cover applies to Motor Insurance policies, excludes CTP, commercial policies and specialty products.



Compare Comprehensive Car Insurance at #diamond #car #insurance


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#

Comprehensive car insurance

Compare comprehensive car insurance from multiple brands to get the right deal

Key points


  • A comprehensive policy will cover you for injury to others (including passengers), damage to third party property, liability whilst towing, fire damage, theft and loss or damage to your vehicle
  • While comprehensive car insurance offers more extensive cover than third party options all policies will differ, so compare product features and be aware of ‘stripped back’ policies
  • Choosing a comprehensive policy isn’t always more expensive than buying a third party one
  • Don’t assume you’re covered to drive other cars if you have a comprehensive policy

While all policies vary and you always need to read your terms and conditions, choosing fully comprehensive car insurance should deliver a high level of cover for unfortunate motoring incidents.

It provides third party cover for claims made against you for injuries to other people, including passengers, as well as damage to other cars or property.

A comprehensive policy will also insure your vehicle against theft, fire and accidental damage.

Many fully comprehensive policies have additional benefits, such as providing a courtesy car whilst yours is in the garage, paying for medical treatment following a road accident, covering the theft of extras such as sat-nav systems and/or paying to repair damaged windscreens.

Bear in mind that some so-called comprehensive policies may be ‘stripped back’ policies offering a level of cover that you may consider rather basic.

Even if you’ve requested comprehensive cover, you should always take time to look at the terms of a particular policy.

Gocompare.com was built on the principle of helping you review policy features as well as price and we also use Defaqto star ratings to further distinguish the options you see in our quotes process.

Is fully comprehensive car insurance essential?

It’s a legal requirement in the UK to have car insurance. but it doesn’t have to be fully comprehensive.

So long as a driver has basic car insurance, he or she should be covered for damage caused to another person, vehicle or property.

However, third party policies will not cover you or your car in the event of an accident and don’t include many of the extras that can make life a lot easier if the worst happens.

What other types of car insurance are there?

Other car insurance options include third party only and third party, fire and theft. Not all car insurers offer third party only options, which are the most basic type of cover.

See also:

Some motorists believe that third party, or third party, fire and theft, are always the cheapest options. While this may often be true, you should be aware that this isn’t always the case.

One of the reasons for this is that third party options tend to attract more high-risk drivers, meaning that insurers see statistics showing them that third party policies are a high risk.

Comprehensive cover can sometimes cost about the same as, or even less than, third party, fire and theft. This means that a driver who opts for third party, fire and theft could be paying just as much as someone with a comprehensive policy, but they’ll have less cover.

If you’re looking to save money on comprehensive car insurance. there could be better ways.

Should you choose to use Gocompare.com’s comparison service, you’ll be presented with the clear option of whether you want to consider comprehensive policies, third party only, or third party fire and theft.

Another option is one of the most innovative products on the market, telematics car insurance. a policy that bases the premium you pay on the way that you drive. Gocompare.com’s quotes service offers the opportunity to compare telematics policies against more traditional products.

Can I drive other vehicles if I have comprehensive car insurance?

Motorists often assume that, if they have their own comprehensive car insurance, they’re covered third party to drive anybody else’s car.

But this isn’t necessarily the case and you should always check your policy or contact your insurer before driving another vehicle – read more in our article on cover to drive other vehicles .



Car Insurance Ireland – Third Party – Comprehensive Motor Insurance from #cheapest #used #cars


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Discover Which Car Insurance is Best for Your Motor Cover Needs

  Get a quote

It doesn’t matter how big an insurance company is or how many people they insure, if they can’t provide you with the best possible car insurance package at the lowest possible cost for your specific needs, what good are they to you?

At Bestquote, you’re what matters – when you’re buying car insurance, when you’re driving across Ireland, and most importantly, when you need your motor cover due to theft, because of a breakdown or when you’ve had a road accident.

Most car insurance policies are unique and in order to prepare the best quote for your specific insurance needs, please call us directly at 0818 223 223 or complete a car insurance quote online now.

Bestquote – The Final Word on Irish Car Insurance

Bestquote is eager to save you money on your motor insurance whether you choose third-party cover, third-party, fire and theft cover or comprehensive car insurance policies in Ireland. You don’t even have to compare car insurance, just call us at 0818 223 223 and we’ll give you the Bestquote treatment – offering every discount available to you while making sure you have the coverage you need. That’s why we’re the final word on Irish car insurance.

  • Get car insurance cover in minutes
  • Bestquote compares motor insurance from top insurers in ireland

Get a car insurance quote or call us at 0818 223 223 now for exceptional customer service and truly affordable car insurance in Ireland.



What Is Comprehensive Car Insurance?


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#

What Is Comprehensive Car Insurance?

Effects

Comprehensive car insurance covers damage to the vehicle that was not a result of a car accident. Comprehensive policies typically cover fire damage, theft, vandalism, animal damage, weather-related damage and damage caused by things falling on your car.

Deductible

Comprehensive car-insurance policies typically have deductibles, which is the amount of money you pay out of your own pocket for damages before the insurance company starts picking up the bill. Your insurance premiums are generally lower if you choose a high deductible. The most common deductible amount for comprehensive car insurance is about $500.

Benefits

Comprehensive car insurance costs relatively little when compared to the cost of replacing a car. Comprehensive coverage is an especially good idea if you have just bought a new or very expensive vehicle.

Considerations

Insurance companies sometimes exclude specific damages from comprehensive policies. Always check the fine print of an insurance policy before you sign so you have a clear idea of what is covered and what isn’t.

Misconceptions

Although many people think comprehensive car insurance will cover every type of damage, this just isn’t true. This type of insurance will only cover collision damage caused by hitting an animal. Comprehensive policies also won’t cover any damage you inflict on others or any medical bills.



What Is Comprehensive Insurance?


#comprehensive car insurance
#

Comprehensive Insurance

What does comprehensive coverage do?

Comprehensive insurance covers damage to your car from incidents other than collisions. This normally includes coverage for:

  • Theft
  • Vandalism
  • Glass damage (such as a broken windshield)
  • Damage sustained from hitting an animal or bird
  • Damage from falling objects or missiles
  • Fire
  • Floodwaters
  • Damage sustained due to severe weather or natural disaster — such as wind storm, hail, hurricane, tornado, etc.

To have physical damage full coverage on your vehicle, you need to obtain not only comprehensive but also collision coverage. Collision will cover you if your car hits, or is hit by, another vehicle or object. Some insurance companies will not offer you comprehensive coverage unless you also carry collision coverage as part of your car insurance policy.

When obtaining a quote for comprehensive coverage, you will need to choose a deductible amount. A deductible is the portion of a claim that you re responsible for paying before your insurance benefits start to pay out.

The value of the car, your driving record, the deductible you choose and repair costs determine the cost of comprehensive coverage, but it is usually very affordable. The average annual cost nationwide for comprehensive coverage is just $134, according to the Insurance Information Institute. That’s not much to pay to ensure you get the actual cash value (ACV) for your car, minus the deductible, if your car is totaled. ACV is how much your car is worth on the market before it sustained damages.

Comprehensive claims will not raise your rates unless you file multiple claims in a short period.

Is comprehensive coverage mandatory?

Comprehensive insurance is not legally required by any state. Most states require property damage liability so that your insurer will pay (up to your limits) if you damage other people s vehicles or property, but states do not require that you carry coverage to pay for damages to your own car.

However, if you have a loan or lease on your vehicle, then your lienholder can (and usually will) require that you carry this coverage and may mandate the specific deductible amount you have to select.

If want to lower your insurance premium by raising your deductible while your car is still financed, be sure to check with your lienholder to see if they will allow a higher deductible than what you are currently carrying.

What is the recommended deductible?

Usually, you can choose for your comprehensive deductible an amount anywhere from $100 to $2,500 (deductible choices vary according to state laws and insurance company guidelines). Most car owners choose a deductible of between $250 and $1,000.

The higher the deductible the less expensive your premium will be, because the insurer is taking less risk of paying out for claims.

Take your own finances into account when choosing a deductible. Saving money on your premium is nice, but do you have the ability to take on a larger out-of-pocket expense when making a claim? For example, if you set your deductible at $1,000 and your car sustains damages totaling $1,800, you will pay $1,000 and your insurance company will pay $800.

Deductibles are normally due per incident, so you will have to pay your deductible amount out every time you make a comprehensive claim. The exception being if you live in a state where laws require the deducible to be waived for windshield claims.

What happens if I don t have comprehensive coverage?

Without comprehensive coverage, you cannot make a car insurance claim if your vehicle receives damage that is considered other than collision damage by your insurer. This leaves you personally responsible to pay for the repairs, unless there is someone else found liable for the damages (such as a vandal or car thief) that is known and available for you to go after for the repair costs.

With a newer, high valued car, you will usually want this added protection for your vehicle, whether you have financed it or not. If your car is stolen soon after you buy it, you don t want to be out the full cost of a replacement vehicle.

If you have an older car with a low value (without a lease or loan on it), you may not want to pay for this coverage since if the car is damaged, or totaled, the low insurance compensation amount may not be worth the premium paid out.

Knowing how much your vehicle is worth can help you decide if comprehensive coverage is worth the extra cost. Find out the current value of your car by using appraisal tools offered on sites such as Kelley Blue Book (KBB), NADAguides, and Edmunds.



What is the Difference Between Collision and Comprehensive Auto Insurance? mobile wiseGEEK


#comprehensive car insurance
#

wiseGEEK: What is the Difference Between Collision and Comprehensive Auto Insurance?

While many drivers simply obtain minimal insurance required by their state or area of residence, some drivers prefer to add collision and comprehensive auto insurance to their policy, to protect their vehicles in a more wide range of situations. Comprehensive auto insurance is recommended for all drivers, as it covers a wide range of situations-essentially everything which is not covered by collision insurance. Usually collision and comprehensive auto insurance are offered in a bundled package, although it is possible to purchase the two types of coverage separately.

In some cases, purchase of a collision and comprehensive auto insurance package may be required, especially in the case of financed cars. When borrowing money for a car, it is an excellent idea to consider a collision and comprehensive auto insurance package so that even if the car is destroyed, funds are still available to cover the outstanding remainder of the loan. Usually lenders will require proof of such insurance to carry the loan.

In brief, comprehensive auto insurance covers everything except collision. Collision insurance protects drivers in the case of encounters with other vehicles, objects, people, and the surface of the road. Collision insurance will cover the driver whether or not he or she is at fault for the accident. It also provides for towing, storage, and salvage if the car has been badly damaged. Generally, collision insurance will cover the cost of repairs to the vehicle, or replacement if it is badly damaged, unless the repairs are due to mechanical failure as a result of improper maintenance.

Comprehensive auto insurance covers theft, fire, vandalism. weather damage, riots, missiles, and other similar circumstances which may cause damage to a vehicle. Comprehensive auto insurance does not usually cover acts of God, theft or vandalism by family members or employees, contents of the vehicle, tires, or damage due to improper maintenance.

In both the case of collision coverage and comprehensive auto insurance, several factors will influence the cost of the insurance. The age and experience of the driver, amount of yearly mileage anticipated, area in which the car will be driven, and value of the car will all be taken into account. With older cars, drivers should weigh the cost of the insurance against the value of the car to determine if the coverage should be carried. In almost all cases, collision and comprehensive auto insurance packages are subject to a deductible. which can range in price.



Compare Comprehensive Car Insurance at


#comprehensive car insurance comparison
#

Comprehensive car insurance

Compare comprehensive car insurance from multiple brands to get the right deal

Key points


  • A comprehensive policy will cover you for injury to others (including passengers), damage to third party property, liability whilst towing, fire damage, theft and loss or damage to your vehicle
  • While comprehensive car insurance offers more extensive cover than third party options all policies will differ, so compare product features and be aware of ‘stripped back’ policies
  • Choosing a comprehensive policy isn’t always more expensive than buying a third party one
  • Don’t assume you’re covered to drive other cars if you have a comprehensive policy

While all policies vary and you always need to read your terms and conditions, choosing fully comprehensive car insurance should deliver a high level of cover for unfortunate motoring incidents.

It provides third party cover for claims made against you for injuries to other people, including passengers, as well as damage to other cars or property.

A comprehensive policy will also insure your vehicle against theft, fire and accidental damage.

Many fully comprehensive policies have additional benefits, such as providing a courtesy car whilst yours is in the garage, paying for medical treatment following a road accident, covering the theft of extras such as sat-nav systems and/or paying to repair damaged windscreens.

Bear in mind that some so-called comprehensive policies may be ‘stripped back’ policies offering a level of cover that you may consider rather basic.

Even if you’ve requested comprehensive cover, you should always take time to look at the terms of a particular policy.

Gocompare.com was built on the principle of helping you review policy features as well as price and we also use Defaqto star ratings to further distinguish the options you see in our quotes process.

Is fully comprehensive car insurance essential?

It’s a legal requirement in the UK to have car insurance. but it doesn’t have to be fully comprehensive.

So long as a driver has basic car insurance, he or she should be covered for damage caused to another person, vehicle or property.

However, third party policies will not cover you or your car in the event of an accident and don’t include many of the extras that can make life a lot easier if the worst happens.

What other types of car insurance are there?

Other car insurance options include third party only and third party, fire and theft. Not all car insurers offer third party only options, which are the most basic type of cover.

See also:

Some motorists believe that third party, or third party, fire and theft, are always the cheapest options. While this may often be true, you should be aware that this isn’t always the case.

One of the reasons for this is that third party options tend to attract more high-risk drivers, meaning that insurers see statistics showing them that third party policies are a high risk.

Comprehensive cover can sometimes cost about the same as, or even less than, third party, fire and theft. This means that a driver who opts for third party, fire and theft could be paying just as much as someone with a comprehensive policy, but they’ll have less cover.

If you’re looking to save money on comprehensive car insurance. there could be better ways.

Should you choose to use Gocompare.com’s comparison service, you’ll be presented with the clear option of whether you want to consider comprehensive policies, third party only, or third party fire and theft.

Another option is one of the most innovative products on the market, telematics car insurance. a policy that bases the premium you pay on the way that you drive. Gocompare.com’s quotes service offers the opportunity to compare telematics policies against more traditional products.

Can I drive other vehicles if I have comprehensive car insurance?

Motorists often assume that, if they have their own comprehensive car insurance, they’re covered third party to drive anybody else’s car.

But this isn’t necessarily the case and you should always check your policy or contact your insurer before driving another vehicle – read more in our article on cover to drive other vehicles .