Clear explanations of natural written and spoken English. Usage explanations of natural written and spoken English. Grammar Thesaurus. Word Lists. Choose your language. My word lists. Tell us about this example sentence:. The word in the example sentence does not match the entry word. The sentence contains offensive content. Partial cover will cover you if your car has been damaged by factors out of your control.
A fully comprehensive policy also pays if you have caused damage to your car yourself. Fully comprehensive insurance is more extensive and therefore usually also more expensive. However, under special circumstances it can be cheaper than partial coverage. Difference between comprehensive cover and partial cover. The main difference between partial and fully comprehensive insurance is that fully comprehensive insurance covers all damage to your car.
Partial coverage, on the other hand, excludes damage or accidents you caused yourself, as well as vandalism. Remember, no matter which level of insurance you choose, you always need liability insurance. What does partial insurance cover? These basic elements are covered by any partial insurance: Basic protection of partial insurance Notes Fire, explosion and short-circuit damage to the wiring system E.
In the event of rockfall Theft, robbery and embezzlement Including theft and unauthorised use of car parts Natural disasters E. Storms from gale force 8, hail, lightning, flooding Wild boar damage E. Animal damage Collisions with animal species other than furred game Extended natural disasters E. Extended replacement value For up to 24 months after initial registration, compensation for the new value of the car Extra equipment An optional surcharge for customised cars.
Overview: Fully comprehensive insurance, partial insurance, or change? Fully comprehensive insurance suits new cars within the first 3 to 5 years and for cars financed through leasing or credit. Partial cover is usually for cars older than 5 years.
However, if the car has only a low resale value, liability is sufficient. Exemptions to this could be: If the prices for partial cover and comprehensive cover are very close to each other, or comprehensive cover is even cheaper e. Do you want to switch from full to partial cover? If the no-claims bonus of your fully comprehensive is very high, it would be worthwhile for you to let the fully comprehensive continue.
This is because your no-claims bonus does not apply to partial insurance. Invalid driving licence : Driving without a valid licence will likely invalidate your car insurance policy and can also lead to prosecution. Wear and tear : the general upkeep and maintenance of your car is your own responsibility. However, some insurers may allow you to include wrong fuel cover, also called misfuelling cover, as an add-on.
Some will, however, but will typically only be for short-term use and emergencies. Looking for comprehensive car insurance? Compare quotes with Money Expert to find the right deal Find a quote. Recent News. Car insurance guides We endeavour to keep our users fully informed when it comes to making a purchasing decision. One Day Car Insurance Read guide. Convicted Driver Insurance Rental Car Insurance Black Box Car Insurance Short Term Car Insurance Insurance for Electric Cars Taxi Insurance Uber Driver Insurance Insurance for 4x4s European Car Insurance See all guides.
Last reviewed: 1 November Next review: 1 December Password Please enter a valid password. Submit Submit. By Cathy Toogood. H aving a car insurance policy in place is a legal requirement in the UK if you drive your vehicle on roads and in public places.
Here we take a look at what fully comprehensive car insurance is. It will also cover damage to your vehicle caused by fire, as well as theft. As well as fully comprehensive car insurance, the other main types of car insurance are:. You will need to pay for any damage to your own vehicle yourself, and you would not receive anything towards medical costs third-party fire and theft — this covers the same as third-party insurance plus damage to your own car if it is stolen or damaged in a fire.
Driving Other Cars cover used to be more commonly included on policies but is rarer now.
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