If I Have Fully Comprehensive #CAR INSURANCE
Why should I consider fully comprehensive car insurance? With comprehensive car insurance, you can claim from on your insurance for accidents that are deemed to be your fault. You can also claim when fault can’t be proven, e.g. if you return to your car after shopping to find that someone has hit your car and driven off. Without comprehensive cover, you risk having to fork out for repairs yourself.
Comprehensive car insurance - also known as fully comprehensive - covers damage to yourself, your car as well as compensating a third party if you are involved in an accident. This means that if you have an accident you can claim to have your car fixed, and your insurance provider may also compensate anyone else involved if eligible.
The standard rule of thumb used to be that car owners should drop collision and comprehensive insurance when the car was five or six years old, or when the mileage reached the 100,000 mark. Fully comprehensive car insurance is the highest level of cover you can take out for your car. It provides coverage for you and your vehicle as well as other road users – more than you get with third-party, fire, and theft and third-party policies.
Can I drive any car with fully comprehensive insurance? The rules have changed so don't assume you're covered. While traditionally fully comp meant you could drive any car, this has changed; Motorists should check their policy wordings to be clear on what is covered; The clause has been phased out in recent years due to fraud and abuse.
If your vehicle was written off, you would have to pay to replace the whole thing. Your comprehensive insurance could also cover damaged windows or windscreens, replacement locks, trailer cover, and any audio or telephone equipment. You could receive monetary compensation for any personal belongings that are stolen or damaged too.
Your car insurance policy needs to be a fully comprehensive one. The other car must have insurance already. Your car must be in a driveable state, i.e. not written off. Your occupation cannot be in the motor trade, i.e. where you often drive other cars. It also needs to state on your certificate of motor insurance that you have the DOC extension.
Comprehensive insurance (vehicle) covers you for any damage to both vehicles. Guys quick question, I am due for renewal of CTP – I have fully comp with Coles (wesfarmers). NRMA are selling me their CTP with their 'at-fault personal injury' cover – so they cover injuries sustained by me during an accident in addition to the normal third party injuries (humans).
Many lenders require full coverage insurance on vehicles they have financed. Comprehensive insurance is part of that mandatory coverage. When you sign your loan papers, you agree to protect the vehicle against physical damage by purchasing both comprehensive and collision insurance. Some of the things you should be typically covered for with a fully comprehensive car insurance policy include: Any damage caused to a third party, their vehicle or property. Theft or vandalism of your car. Any damage caused to your own car by a fire or accident.
Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy. In times gone by, taking out a fully comprehensive insurance policy allowed the policy holder to drive other cars on a third party basis so long as they had the owners permission. This is especially handy in case your car breaks down and you need to borrow one for a few days while your own is repaired.
If you’re driving someone else’s van for personal use, for example you’re borrowing it to move home, you may be protected under your comprehensive cover. However, it’s no longer included as standard, so you’ll need to ask your provider. If it’s covered under your comprehensive policy, this will typically give you third-party cover.
If you’re only driving in Europe for a short period but want fully comprehensive cover, you could get temporary car insurance. This typically covers you for up to 30 days. It can be worthwhile if you’re only taking a single trip in the year or want to share driving duties with someone, as you can add other drivers to the policy.
Comprehensive car insurance can help cover the cost of repairs to your vehicle in the event of accidental damage, malicious damage, theft, fire, hail, and third-party damage – regardless of whose fault it is 1. Some policies will even cover certain items inside your car, such as a car seat or baby capsule if damaged in a collision. For years, drivers who have fully comprehensive insurance have hopped in and out of each others’ cars at will in the belief that they’ll be covered by default.
Fully comprehensive insurance is exactly the same as comprehensive insurance and is just another name for same level of cover. Comprehensive car insurance offers one of the highest levels of protection, it covers the same things as third party only and third party fire and theft , but on top of all that, it covers your own car in an accident.
