Comprehensive car insurance offers complete financial protection. This means that your insurance provider will pay in almost all cases.
The other two types of car insurance are third party only (TPO) and third party, fire and theft (TPFT). While TPO only covers damage to other vehicles and other people, TPFT covers damage to other cars, fire damage to the car and replacement of your car if stolen.
Comprehensive car insurance covers all of these and makes it the ultimate in insurance coverage.
With comprehensive car insurance, if you are involved in an accident or your car is stolen, you can make a claim and your insurance company can reimburse you for repairs or replacement. If the accident involves another driver, your insurer will also pay compensation if necessary.
Is car insurance fully inclusive?
Although most comprehensive car insurance policies offer the same amount of cover, the insurance company may ask you to pay an additional fee in some cases. You should always check the policy agreement to avoid unwanted surprises if something goes wrong. However, your policy should include:
Repair your windshield
If yours is a repair/replacement, it's a decent car
In the event of an accident, protect others from injury
If your car is stolen, replace it
If your car is damaged, fix it
Protection against accidental damage caused by negligence
Repair or replace your vehicle due to fire
Again, you should clearly check what the insurer is offering. Your insurer is often unable to offer cover for:
Driving without a license
Driving under the influence
Most insurance companies will provide a list of guidelines to follow, and failure to follow these guidelines will void your claim.
It's dangerous to fill your car with the wrong fuel
Lack of security, such as leaving the doors unlocked, can lead to theft of your car or the contents of your vehicle.
General wear and tear damage
Comprehensive car insurance is the highest level there is. However, these examples show that there are exclusions that your car insurance does not cover. Is car insurance the best option for me?
Comprehensive car insurance can be a great option for peace of mind. It can prevent the added stress and/or expense that a car accident can't avoid.
If you only have third party or third party, fire and theft insurance, you will have to pay to repair or replace your car. Yes, it is comforting to know that you will be covered for damage to other vehicles, but it will also benefit you and your bank account greatly if your car is also covered.
You should look at the different types of cover available, speak to one of our team of experts, compare car insurance options and choose the best one for you. Is car insurance comprehensive?
It is a common misconception that the highest coverage should be the most expensive car insurance policy.
Many people choose TPO and TPFT because they think it is a cheaper option. Therefore, high risk drivers choose TPO and TPFT policies. This has affected the car insurance statistics because there are many claims among the policies. This is why some TPO and TPFT car insurance policies are more expensive than comprehensive cover because of the increased risk. You should shop around and evaluate the different covers available.
At first, some comprehensive car insurance rates may seem expensive. It is important to remember that with this type of car insurance, almost all your bases are covered and can save you money in the long run. Most drivers believe that they will not have an accident or write off their car, but you never know.
Your car insurance
Car insurance is a personal choice. At Campion Insurance, our aim is to find the best car insurance in Ireland whilst offering a personal service. Many of our insurance companies offer affordable car insurance for those who value convenience and want coverage on all bases. However, we will help you decide which policy is right for your car and lifestyle.
Our customers remain at the center of our business and we always strive to find the best insurance for the people we work with. Our customer retention rate remains consistently high, reflecting the excellent level of service we offer. If you are interested in car insurance or the mentioned policy, consider filling out our quick and easy form to get free car insurance.
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