Fully Comprehensive Insurance
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Why Compare Fully Comprehensive Insurance Via SimplyQuote?
Looking for the most complete protection for your car? Fully comprehensive insurance offers the ultimate peace of mind, covering a wide range of unexpected events on the road.
Now we know what you’re thinking – where are you going to find the time to compare multiple insurance quotes? That’s where SimplyQuote’s 100% free, online comparison tool comes in – saving you time, money and your sanity.
In just a few clicks, access an extensive list of fully comprehensive car insurance options from top-class UK insurance providers.
It could not be more simple.
What Do You Need To Get A Quote?
Please provide us with the following information:
- Your details – name, surname, age, UK address
- Vehicle details – make, model, age, annual mileage
- Policy details – which cover you’re interested in
- Insurance details – claims history
Why Do You Need Fully Comprehensive Insurance?
You need fully comprehensive car insurance if you want the highest level of car cover money can buy.
Technically, you don’t need fully comprehensive car insurance, as the legal minimum is third-party cover. But, with all the benefits it offers, why wouldn’t you opt for comprehensive cover?
The road is unpredictable, and even the most experienced drivers can find themselves involved in an accident.
If basic third-party car insurance is good, comprehensive policies are great.
Third-party-only insurance only covers damage to someone else’s car and property. Fully comprehensive insurance offers the most extensive protection available, covering repair costs to your own vehicle, regardless of who’s at fault – amongst other compensation.
To avoid confusion, fully comprehensive car insurance is also known as:
- Comprehensive car insurance
- Fully comp insurance
Note: It is a legal requirement for anyone driving on the road to have the appropriate car insurance in place.
What are the benefits of having a comprehensive car insurance policy?
- Peace of mind knowing you are covered for damages to your own car (even if it’s your fault), personal injury claims and third-party persons/property claims.
- Financial protection ensures avoiding hefty repair and medical bills when involved in a car accident.
- Compliance to legally drive on UK roads.
- Save time and money with comprehensive car insurance cover which covers you and other cars/persons in the event of an accident.
Looking for fully comprehensive insurance? Get your quote today!
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What Does Fully Comprehensive Insurance Cover?
Fully comp insurance cover combines the main elements of third-party-only (TPO) car insurance and third-party, fire and theft (TPFT). Fully comprehensive car cover is the best value for money.
What’s covered
- TPO: This is the bare minimum requirement for all drivers, and is included in fully comprehensive car insurance. TPO covers you against any damage you cause to another car or driver on the road, as well as private property.
- TPFT: This level of cover pays out for damage to your car as a result of fire or theft.
- Damage to your car: Fully comprehensive cover safeguards your car against any damages sustained, both on-road and off including vandalism, storm damage, burglary and theft.
- Personal and passenger accidents cover: Insurance providers will pay out if you find yourself or a passenger in your vehicle in a serious or fatal accident. Fully comp is the only insurance type that will compensate you for injuries.
- Accidental damage: This covers the cost of repairing accidental damage to your own or another person’s vehicle.
What’s not covered
- Theft/damages caused by carelessness/negligence
- Costs/damages incurred when driving under the influence of alcohol or illegal drugs
- Driving with an expired driving licence
- Existing damage on your vehicle prior to insurance taken out (e.g. dents, scratches, etc.)
- Normal wear or tear (e.g. tyres, brake pads, corrosion)
- Driving someone else’s car – unless you’re a named driver with a Driving Other Cars (DOC) clause
- Goods in transit/personal belongings
- Uninsured driver/unnamed driver
What kind of vehicles does fully comp insurance cover?
Generally, any vehicle is covered with fully comprehensive cover.
However, this doesn’t mean you can drive any car with this type of cover. While the make and model of your vehicle (covered with fully comp insurance) can be a Mazda, Audi or Range Rover, you can’t automatically drive someone else’s car if you are covered with a fully comp policy.
As mentioned, you’ll need to be a named driver on their policy with DOC policy documents.
What Levels Of Fully Comprehensive Insurance Can You Get?
Essentially, there are no levels to this type of policy as comprehensive insurance is the highest level of car insurance available. It provides the widest cover, above and beyond basic third-party insurance and third-party fire and theft levels.
What types of comprehensive car insurance are available in the UK?
These three types of car insurance cover are available for UK drivers that come with fully comp options:
- Social car insurance (SD&P) covers personal driving such as going to the shops, fetching kids from school or road-tripping holidays.
- Social and commuting insurance is one step above SD&P and allows you to use your vehicle for commuting to and from work (to a single location).
- Business use insurance is the cream of the crop, allowing you to use vehicles for both personal and business purposes. However, not everyone needs this type of insurance. It generally appeals to salespersons or site managers who drive to multiple locations per day.
What Add-Ons Are Available For Fully Comprehensive Insurance?
Despite being called ‘comprehensive’, there are certain areas of cover that may be left out of standard policies. But this is where you can include optional extras for a broader spectrum of cover:
Personal belongings
A lot of comprehensive car insurance policies will only cover the cost of your car if it is stolen, not the contents kept inside. Get personal belongings cover to safeguard the valuables that regularly travel in the car with you.
Car key insurance
Car keys cost a lot to replace, especially on modern cars. With car key insurance, you’ll never have to worry about a lost key again. Insurance companies offering this add-on will likely both replace your car key and configure it.
Windscreen repair
Windscreen repair is a good extra as it provides cover should your windshield get cracked, chipped, or otherwise damaged.
Breakdown cover
Should you find yourself in a breakdown, a breakdown cover add-on will cover the cost of roadside assistance.
Misfuelling
It’s possible to get extra cover in your comprehensive car insurance deal to safeguard you against accidentally filling up your car with the wrong fuel.
Motor legal protection
If someone takes legal action against you over a crash that wasn’t your fault, motor legal protection will take care of the legal costs.
Courtesy car cover
If your car is broken down, a fully comprehensive cover will cover the cost of your courtesy car.
Child seat cover
This add-on will replace your child’s seat if it gets damaged in an accident.
No claims discount protection
As the name suggests, this protects your no-claims discount even when making a claim.
EU cover
Offers protection when travelling across the UK border.
Note: Some insurance providers may (or may not) include some of the policies such as windscreen cover within your standard fully comp car insurance policy. It’s best to check these finer details with your chosen insurance company to avoid over- or underinsuring yourself.
How Much Does Fully Comprehensive Car Insurance Cost?
The average price for comprehensive car insurance is approximately £941 per year.
Please note, that pricing may vary between different insurance providers and is influenced by the age of your vehicle, your UK location and your annual mileage.
What impacts fully comp insurance prices?
- Driver age (young drivers under 25 pay higher premiums)
- Driver occupation
- UK location
- Vehicle insurance group
- Vehicle type
- Driving history
- Annual mileage
- Optional extras chosen
- Claims history
How Can You Reduce Fully Comprehensive Insurance Premiums?
Here are a few ways to lower your comprehensive insurance cover premiums:
- Secure your vehicles when not in use (e.g. tracking device, locked garage, private driveway)
- Keep up to date with vehicle services to prevent premature breakdowns and wear and tear
- Opt for a smaller car in a lower insurance group/bracket
- Pay annually as opposed to monthly premiums to avoid added interest
- Keep claims to a minimum and start building your no-claims bonus
- Only choose the add-ons you need to avoid unnecessary expenses
- Consider telematics “black box” technology to monitor how you drive
- Opt for higher voluntary excess to lower overall premium prices
- Reduce mileage – less time on the road reduces chances of a road accident
- Add a named driver (i.e. experienced driver) to your policy profile
How To Compare Fully Comprehensive Insurance Quotes With SimplyQuote?
Comparing various car insurance quotes with SimplyQuote is quick, easy and pain-free:
- Fill in the quick form: Tell us about yourself, your vehicle, and your location.
- Choose policy add-ons: Select which add-ons you want.
- Quickly compare quotes: Find a quote best suited to your budget and vehicle needs.
- Save money: Get the best deal to start saving today.
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Frequently Asked Questions
Fully comprehensive cover is the highest level of car insurance available. It goes beyond just protecting other people’s vehicles and property (like third-party-only does) and safeguards your own car in a variety of situations.
No, only you (i.e. the policyholder) can drive vehicles under fully comprehensive car insurance. You could add additional drivers as ‘named drivers’ to your insurance policy, which would permit them to drive your car.
Yes, fully comp policies generally work out cheaper than basic third-party car insurance. However, this depends on your chosen insurance provider and their terms of conditions.