What is a Comprehensive Motor Insurance policy cover?

Comprehensive cover is when you cover your vehicle against most forms of damage that may occur to your vehicle. This doesn't mean you are covered for absolutely everything. If you look in depth into your comprehensive car insurance contract you'll probably find some significant exclusions.
We'll consider the potential policy exclusions later, now we’ll look at why this type of policy is referred to as ‘comprehensive’, you'll be surprised at some of events that are covered.

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What if I have a high performance car?
High performance cars tend to be very expensive, but its not just the buying of the car. It's also the cost of maintaining, repairing it, and particularly the cost of insuring that you need to fully consider. High performance Car Insurance can cost anywhere up to about £10,000 a year, so shopping around can save you a small fortune.
What are the laws regarding Motor insurance in the United Kingdom?
Motor insurance originated in 1930, when the government introduced a law that required every person who used a vehicle on the road to have some kind of motor insurance policy. This had to be third party personal injury cover at the very least.
What are the principles Motor Insurance is built upon?
During the process of applying for motor insurance you will be asked for many details ranging from personal details to location and security based questions. As with all insurance you are well advised to answer any and all questions as honestly as possible in order to ensure any claims are fully met by your insurance company in the event of an accident.
What Do I need to do if using my Car abroad?
No matter where you go in Europe, be it Ireland, Wales, Scotland or the mainland, you are covered for at least the minimum level legally required in that country with your UK motor insurance policy.
How can I lower my Motor insurance premiums?
Many factors influence the premiums of your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. To name a few of the important variables, the vehicle you drive, your gender and your age are all important to the insurer whilst they calculate your quote. Below we have discussed several of these key variables that are within the policyholder's control.
For example, you are covered if something falls off the back of a lorry and damages your vehicle. If you were to drive up or over a high kerb and cause damage to your tyres, you can be covered for that too.
Comprehensive cover also includes optional cover for your windscreen, which is not usually covered by a third party fire and theft insurance policy. Windscreen claims are often dealt with in a different manner to accidental damage and other forms of claim. They often have a separate excess fee because the potential damage is limited to the replacement cost of the whole windscreen.

Almost all car insurance policies feature exclusions relating to electrical and mechanical breakdowns, loss of the vehicles use and excess, amongst other things.

Your insurance policy also doesn't protect you from the maintenance costs of your vehicle, such as services and mot costs. So, you aren't covered for electrical or mechanical faults, the servicing for your Motor or general wear and tear. In addition your insurer will not cover you for what is considered to be normal wear and tear upon your vehicle.

The 'loss of use' concept defines whether or not you are entitled to a hire car or a courtesy car should you lose the use of your vehicle insured by the policy in question. This can be a very useful benefit on your policy but often costs extra so it is worth finding out if you get it for free or how much the cost is of adding it to your policy.

Your excess needs to be paid whenever you make a claim, regardless why or how the claim has come about. If you were not at fault the excess payment should be refunded to you by your insurance company.