Introduction
Insurance comprehensive provides broad insurance cover. It is mainly used in motor insurance to cover own damage, liability to third parties as well other related motor accident expenses such as towing charges, emergency accommodation and medical expenses if the driver is injured. What you need to know about insurance comprehensive is the scope of cover, the premium charged and its advantages as compared to other types of motor insurance.
History
Insurance companies provide different types of motor insurance which are third party cover only, comprehensive cover and full third party fire and theft. Among these types of insurance cover, comprehensive insurance provide full protection to your motor vehicle against accidental loss or damage. Insurance comprehensive is highly recommended if you want total peace of mind in terms of motor insurance.
Features
Insurance comprehensive cover accidental loss or damage to your vehicle and legal liabilities to third parties such as third party property damage and third party bodily injury or death. If your car is involved in a road accident with another car and you are liable for the accident, this policy will pay for the repairs to your vehicle and the costs of repairing the third party’s vehicle. This policy also pays for any costs incurred if passengers in all the two vehicles are injured, the costs of towing both vehicles to the nearest garage or to a safe place as well as over-night accommodation costs for the driver. It is important to note that this policy covers all accident related costs and the challenge is to adequately insure your vehicle to reflect its true replacement value.
Insurance comprehensive is now tailor made to cover emergency costs as a result of mechanical breakdown. This extension is known as road-side assistance where the insurance company provide fuel and any towing assistance if you are stuck on the road. It also provides personal accident cover to the driver. Other extensions to insurance comprehensive include loading and unloading, wreckage removal, fire extinguisher charges, windscreen damage, loss of keys and legal costs.
Insurance comprehensive is highly attractive as compared to other types of motor insurance because it provides a wide protection. It also attracts discounts and non-claim bonuses if you have an accident free history. The total premiums charged for this type of insurance are relatively high as compared to other types of car insurance such as third party cover only, however considering its wide scope of cover, at the end of the day, the total package will be more attractive and competitive.
Tips and comments
Comprehensive insurance cover provided by short-term insurance companies either directly or through an insurance intermediary. If you want full protection of any accidental and sudden loss or damage to your car, this is the best cover which provides complete peace of mind. You can visit any insurance company or any broker or even get the cover online with any insurance company. This cover has options that you need to choose especially regarding extensions, thus if you want a full cover you must choose all the extensions provided.
