Fully Comprehensive Insurance Cover
Do you need fully comprehensive insurance?
This is the most expensive of the three types of Car Insurance. It is also the insurance with
the most features and the broadest spectrum of cover. A Fully Comprehensive Policy not only insures you against
damage to your car but also meets any cost of repairing damage to other vehicles, regardless of who was at fault.
Fully Comprehensive Insurance covers you for everything Third Party fire and Theft does, but in addition you will normally be covered for loss or damage to personal effects, accidental damage and medical expenses too. On top of this there could also be optional extras you can take out like breakdown cover or legal expense cover, for example. Although not essential, they do give the policy holder extra protection and peace of mind against many common motoring occurrences.
For example, optional legal expense cover on Fully Comprehensive Insurance will pay any legal expense that arises from
colliding with an un-insured car, although there is normally an upper limit you are not allowed to exceed in situations like
this. Always read the small print carefully as these upper limits will be quoted in there, and being familiar with limits and
exclusions in your insurance policy can save you any nasty surprises later.
Once you have decided on which type of insurance to buy, you next need to consider the finer details of the policy. Each insurer will offer you these three basic types of insurance, but when you come to purchase one there will be optional extras that you can have which may affect the premium.
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