Comprehensive Car Insurance Cover

What is comprehensive car insurance?

Comprehensive car insurance like its name suggests offers the widest range of cover. The key difference between this level and third party fire and theft insurance is that your car is also covered along with any third party if you’re in an accident.  You can also claim if you have accidentally damaged your car, for example reversing into a garage door.

This level of cover is also known as fully comprehensive insurance.

So how different is a comprehensive policy compared with third party only and third party fire and theft?

Unlike lower levels of cover – comprehensive insurance also includes claims that can’t necessarily be proven, for example if your parked car has been damaged by someone who has driven off, a comprehensive policy would pay out to get your car repaired or worse case scenario replaced.

What’s included in our comprehensive car insurance?

  • Unlimited legal liability cover if you cause death or injury to another person when driving
  • Up to £20 million to cover any damage you do to another person's property with your car
  • Courtesy car while your motor is being fixed at one of our recommended repairers, following an accident
  • 5-Year Repair Guarantee when one of our recommended repairers is fixing your motor​
  • In car entertainment cover on your permanently fitted electronic equipment if it's damaged
  • Windscreen Cover. From small chips to big cracks, our specialists will do a top job repairing or replacing your windscreen
  • Up to £200 cover for your handbag and anything inside it if it's lost or stolen from your car

Limits may apply, please check our policy booklet.

Do I need comprehensive insurance?

It’s not our place to advise you, and this depends on your circumstances, if you can afford to repair your car or can afford a new one if it gets damaged, then third party, and third party fire and theft might be an option for you.

That said if you want a more complete package that covers both you and other drivers then you may want to opt for a comprehensive policy.  When choosing cover it’s good to think about what level meets your needs, and make a decision based on that.

What else can Sheilas’ Wheels do for me?

  • Secure your No Claims Discount – If you’re a careful driver and want to hang onto your No Claim Discount, customers who meet our criteria have the option to safeguard their discount should they ever need to make a claim. For a small fee, paid whenever you insure your car with us, you can keep your discount safe no matter how many claims you make in the future
  • No Claims Bonus is kept in tact if your car has been vandalised– If your car has been damaged by anything other than another car, you won’t lose your No Claim Bonus for that year. Just report the damage to the police and get a crime number
  • Child car seat cover guaranteed up to £100 – If you’re involved in a car accident and the car seat has no visible damage we’ll still give you £100 towards another. Your child’s safety is our priority
  • Choose the level of cover you need with optional extras – From Key Cover to Personal Injury Benefit if you become injured in an accident, our affordable add-ons are worth a look!