What does Comprehensive Insurance not cover?
No policy will ever cover you for every single thing. ‘Comprehensive’ and ‘all risks’ can be misleading and give a false impression. On almost every policy, you will find exclusions relating to your excess, loss of use, electrical and mechanical breakdowns, and wear and tear. What to Watch for Always look for items such as a ‘loss of use’ clause or a ‘courtesy car’ clause whilst your car is being repaired? What happens if your new car is written off, or even loses 50 or 60% of its value because of the accident? A good insurance policy will give you a new car in this case as long as your car was less than 12 months old. Dependent on the insurer, your audio equipment will receive different levels of cover. Some will pay out the full amount, whilst others have limits. The same will also apply to personal effects or valuables in the car, insurers will usually only pay up to a limit of £150. Thirds Party Fire and Theft Third party only car insurance policies provide the minimum legal requir
