Travel Safe And Insure Your Car With Fully Comp

September 12, 2011

Every motorist wants to buy cheap car insurance, but that well-known saying that you get what you pay for is certainly true when it comes to getting covered, especially if you regularly travel from one country to the next.

Investing in fully comprehensive cover will give the best level of protection possible as well as a considerable amount of peace of mind, although it’ll cost considerably more than getting a third party, fire and theft policy.

However, policy holders will be compensated for damage to their own vehicle. If you’re spending a lot of time on the roads, be it through work, pleasure or both, then the chances of being involved in some sort of incident will increase as a result, meaning that it pays to purchase the most comprehensive insurance available.

Some insurers also factor in Europe-wide breakdown cover and courtesy car hire into fully comprehensive policies so be sure to check the small print, which is something we’ll address in more detail in a minute. Other things that may be included in the policy include medical expenses, cover for any personal property in your vehicle that is lost or damaged and glass replacement for the windscreen, windows and sunroof.

When it comes to the price of car insurance new drivers can always expect to pay a higher premium, no matter if they go third party or fully comp.

The best gauge for those people that have recently passed their test about whether to go fully comp or not is determined by the value of the vehicle. If you drive a heap of junk then it’s not worth paying the extra, but if you’ve treated yourself to a nice set of wheels then get it comprehensively covered.

A car insurance expert has a few wise words for anyone thinking of going fully comp in the near future.

Peter Harrison, from price comparison website moneysupermarket.com, said: “Motorists shouldn’t be fooled into assuming “fully comp” is “fully comp”. It is crucial to be protected for all eventualities as motorists will find exclusions are commonplace. Drivers should scour the small print with a fine-toothed comb to ensure they don’t get caught out.

“Anyone on the hunt for a new car insurance policy should look in detail at what is offered from the various policy types available; comprehensive, third party and third party fire and theft all offer differing levels of protection as you’d expect. 

“It is important to weigh up the cost of opting for a fully comprehensive policy and any additions, as well as breakdown cover for example, to see the full picture of your outgoings. Shop around and take time to research the different options available in order to find the right car insurance policy for you,” added Peter Harrison!