The name itself gives you an idea regarding fully comprehensive car insurance that it is a complete type of cover in the market which offers much better protection than other policies.
Unlike other policies, the fully comprehensive car insurance policy insures the damage to the other party and also covers the policy holder for damage or loss to the car, caused by any event like accident, theft, fire or vandalism.
This type of car insurance is one among the three major insurances provided in Europe which is available with all insurers. If your car is brand new and costly too, then you are left with no option but to take fully comprehensive car insurance. The market has become competitive, so just shop around for the best deals with low premiums.
The best fully comprehensive car insurance will take care of any nasty damage to the car and even damage on the windscreen. Surely, it will cover you if you are involved in an accident. Some fully comprehensive insurance policies will give you few additional benefits like personal accident cover which will be included in the same policy. This simply means that fully comprehensive insurance policy will cover you and also the cost of your cars damage or repairs. It will pay you the market value minus the excess deductions. Some insurance companies will offer you a like-for-like replacement which will avoid any disputes concerning the present value of your car. Be aware of the fact that if you are making a claim of your fully comprehensive policy, it will surely affect your no claim bonus.
Fully comprehensive car insurance policy has optional extra policies that can be added on to your policy if needed. These extras include services like breakdown cover, which will be extended as Europe wide breakdown cover, a car or any vehicle in case yours is getting repaired and also includes the legal expenses. The drivers who can make comprehensive car insurance most profitable are those who owns a car with high value and individuals who possess a good driving record.