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Comprehensive Car Insurance Guide
Are there exceptions a fully comprehensive insurance policy will not cover?
If you are in a car accident that is not your fault, there are some things that your car insurance policy will not pay, even if it is fully comprehensive. Many people do not seem to realise this in such situations, ie., if you have comprehensive cover, you will still have to pay your excess to the garage after they fix your car, unless the other party has admitted fault before the work has been carried out and your insurance company has all relevant insurance and personal details of the third party.
Legal expenses insurance helps you, ie., when you are injured (while your insurance policy will not usually pay you anything as compensation) and will make a claim against the person who was to blame for the accident to get you what you are legally entitled to. If it is the other person's fault, they have to compensate you for what you are out of pocket by, cost of repairs, compensation for injuries, or the cost of hiring a car while yours is out of action. If it is a complicated case that ends up going to court, the policy will even pay for your legal fees up to a certain amount.
If I have a fully comprehensive car insurance policy. Does this mean I'm covered to drive other people's cars?
This lets you drive another person’s car, but it will not cover any damage to the car ( in an accident). It only covers you for damage or injury you cause to other people and their property, so it is a somewhat a third party only cover.
To find out if you have 'driving other cars' cover, you need to look at your motor insurance certificate (section 6 -Persons entitled to drive). If you do have the cover, it only applies to the person whose name the insurance is in.
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| Home Contents Insurance |
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| When
it comes to household insurance, there are two kinds of
policy.
* Buildings insurance covers the structure of the home
itself, as well as the fixtures and fittings
* Contents insurance covers the contents you would take
if you moved.
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