Which risks are covered by fully comprehensive insurance?

Comprehensive insurance is one of the most reliable types of car insurance around. Unlike liability insurance, which only covers damage to others, comprehensive insurance covers a wide range of risks and protects both you and your vehicle. This type of policy is designed to give you peace of mind knowing that you are financially protected against various types of unforeseen circumstances that can lead to financial loss.

Let's explore the different risks that comprehensive insurance covers and find out why it may be the best option for your vehicle.

1. Accident damage

One of the main benefits of comprehensive insurance is that it covers accidental damage to your car. Accidents can happen at any time and repairs can be expensive. Comprehensive insurance ensures that you are not left to deal with these costs alone. It offers financial support for repairs.

2. Theft and vandalism

Car theft is a serious problem, especially in cities. Comprehensive insurance covers the loss of your car due to theft. In addition, if your vehicle is damaged due to an attempted theft or vandalism, the insurance will cover the cost of repairs.

3. Fire damage

A fire can have many causes, such as electrical faults, overheated engines or external influences such as forest fires. Comprehensive insurance covers damage to your car in the event of a fire and ensures that you are not burdened with the costs of repairs or replacements.

4. Natural disasters

Natural disasters, also known as “force majeure,” can cause significant damage to your vehicle. Comprehensive insurance covers damage caused by natural disasters such as floods, earthquakes, landslides, and hurricanes.

5. Human-caused actions:

Comprehensive insurance also covers damages caused by man-made activities. These include riots, strikes, terrorist activities and various forms of civil unrest that could damage your car. Such incidents are unpredictable and can cause great damage, which is why this protection is an important feature of comprehensive insurance policies.

6. Personal accident insurance

A fully comprehensive insurance policy often also includes private accident insurance for the driver. This insurance provides compensation in the event of injury or disability as a result of an accident involving the insured vehicle. The insurance cover also includes medical costs, hospital costs and reimbursement of permanent disability or loss of earnings as a result of the accident.

7. Liability

While comprehensive insurance focuses primarily on protecting the insured car, it also includes third-party liability insurance. This means that the policy covers legal liabilities if you are involved in an accident that injures or damages another person or their property. This includes medical expenses for the injured person and repair costs for the damaged property. Third-party liability insurance is required by law and is included in comprehensive policies to provide comprehensive protection.

8. Damage caused by falling objects

Comprehensive insurance also covers damage caused by falling objects such as trees, branches or debris from buildings. This protection is particularly useful if your parked vehicle is hit by a falling object and causes significant damage. In such cases, the insurance relieves you financially and covers the repair costs.

9. Animal collision protection

Collisions with animals such as stray dogs, cows or even wild animals can cause serious damage to your vehicle. Comprehensive insurance offers protection in such situations and covers the cost of repairs. This type of coverage is especially important in rural areas or areas where wild animals crossing roads are common.

10. Access to additional functions

If a standard plan isn't enough for you, you can customize your car insurance by adding a premium that allows you to upgrade your comprehensive insurance to meet your specific needs. These options include zero depreciation cover to fully reimburse you for claims, engine protection cover to protect against engine damage, and roadside assistance for emergency services. By choosing the right add-ons, you can get more comprehensive insurance coverage, giving you more peace of mind and financial security.

Diploma

Comprehensive insurance offers comprehensive coverage and protects you against a wide range of risks that could otherwise result in significant financial losses. From accidental damage and theft to legal liability and natural disasters, this type of insurance ensures that you are covered in various unexpected situations. Although the premiums may be comparatively higher compared to a basic liability insurance policy, the peace of mind and financial security that comes with it are worth the investment. So hurry up and choose a policy that best suits your needs and offers maximum protection.