Comprehensive Motor Insurance

What sort of policy should I buy? The three main policy types you will choose from are comprehensive motor insurance, third party insurance and third party fire and theft motor insurance. This article focuses on the benefits of comprehensive motor insurance.

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What is comprehensive motor insurance?
If you choose comprehensive motor insurance, your van insurance quotes may be more expensive because it gives you the same benefits as third party motor insurance and third party, fire and theft motor insurance, but importantly also covers you for accidental damage of your own van. This means your van will be repaired, replaced or in the event of your van being written off you may be given the cash equivalent of its market value.

If you take out comprehensive motor insurance you will also be reimbursed for related, non-emergency medical expenses and sometimes physiotherapy for you and your passengers to a stated limit. Comprehensive motor insurance also gives other benefits such as a limited payment per incident in the unfortunate event of you or your partner being disabled or killed in an incident.

If you cannot drive your van after an accident, provision of a courtesy van for a specified period is either included or an option in your comprehensive motor insurance policy. Typical add-ons to your comprehensive motor insurance are extra legal cover, breakdown cover, extended foreign use cover, and no claims bonus protection. While these will slightly increase the price of your van insurance quote, they may be well worth taking out depending on your circumstances. Overall, if your van is of high value, comprehensive motor insurance is probably a necessity.

Whether you opt for third party van insurance, third party van insurance or comprehensive motor insurance, when you use our easy to understand price comparison service you just need to give us some details once, and we’ll search our panel of over 20 specialist insurers to instantly come up with the online van insurance quotes that best fit your requirements.

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Van Insurance
Comprehensive Insurance
Third Party Fire & Theft Insurance
Third Party Only Insurance
No Claims Bonus

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