Walker Jack Consultants

Fully Comprehensive Car Insurance

Most car accident claims involving a personal injury are usually against individuals who have fully comprehensive car insurance. But what exactly is meant, by ‘fully comp’?

In reality there is no such thing as fully comprehensive insurance as there are always exclusions. That being said, fully comprehensive includes everything relating to third party, fire and theft plus accidental damage insurance. The latter refers to damage to a person’s vehicle and includes malicious damage. Windscreen damage is also usually included in the policy but this is likely to be subject to a monetary excess. 

All cars valued over £5000 must be comprehensively insured, with optional extra benefits included such as personal accident cover. It should be noted that drivers are not automatically covered for this.  Legal cover, which enables the car driver access to legal representation if necessary, is also often included as an option.  Another optional benefit is a day 90 EU Green Card that covers accidents occurring while travelling in the European Union.

It was mentioned above that there are exclusions to all fully comprehensive insurance policies taken out. A common restriction will include third party driver cover, which means that any driver other than the insured person cannot drive the vehicle unless they are named on the policy.  Any driver policies are still available but will be more expensive.

Individuals under the age of 25 who work in certain occupations or a driver with a poor claims record, or who has a criminal record, might be refused insurance cover by some companies.