Comprehensive car insurance

What is comprehensive car insurance?

Comprehensive car insurance is the highest level of cover you can buy. It provides protection against fire, theft and damage to your car as well as other people's cars.

If you're involved in an accident, comprehensive insurance will cover the cost of repairs or replacement up to your car's current market value. It also pays out if you, your passengers or the other driver sustains an injury and requires medical attention.

With a comprehensive insurance policy, you're able to claim for incidents that can't be proven, for instance if a car hits you and drives off. You can also claim for an accident that's deemed your fault — which you can't do with third party or third party fire and theft insurance.

Is comprehensive insurance the most expensive policy?

Every driver is different — so just because it's the highest level of cover, it doesn't mean it's always going to be the most expensive option.

A lot of inexperienced drivers, considered to be a 'greater risk' by insurers, opt for third party policies as a way to keep their costs down. But as a result, the number of claims on third party policies has increased, leading to an overall rise in average price.

Even if you find that comprehensive policies are more expensive when comparing quotes, remember that you're paying to receive a higher level of coverage than what's offered by third party policies. So, the initial cost may be greater, but when compared with the expense of repairing or replacing your car in the event of an accident that's your fault, the difference is clear.

Hastings comprehensive car insurance

The exact features and benefits of policies vary between insurers. Our comprehensive cover comes with the high level of customer service you'd expect from Hastings Direct. Our Defaqto 5 Star Rating is testament to our commitment to providing drivers with exceptional coverage at an affordable price.

If you take out a Hastings Direct comprehensive policy, you can enjoy a range of benefits as standard, such as:

  • Personal belongings cover of up to £300 for items left in your car that are stolen or damaged due to an accident or fire.
  • Damage to your windscreen and windows.
  • Replacement of a child's booster or car seat as part of a claim for loss or damage.
  • Personal accident cover for you, your spouse or civil partner with up to £5,000 for death or loss of sight or limb (applicable to drivers aged under 75).
  • Medical expenses cover up to £500 for each injured person.
  • 90 days EU travel cover.
  • A courtesy car while repairs are carried out on your car in the event of an accident.

If you take out a comprehensive policy with us, you won't lose your no claims discount and you won't have to pay the excess if you're hit by an uninsured driver.

Please note, not everyone who takes out a comprehensive car insurance policy is covered to drive other cars, even if you're 25 or over. It's always worth checking your insurance documents to find out your entitlements. If you've taken out insurance with us, this information can be found under section 5 of your motor insurance certificate.

Optional extras

No two drivers are the same. That's why we offer a range of optional extras so you can personalise your policy and get the right level of cover for you. Extras include:

  • Enhanced personal accident cover — up to £140,000 cash payment if you or your passengers are injured in an accident.
  • A range of breakdown cover options.
  • Legal expenses cover — providing you with added protection in the event of an accident that's not your fault.

Five ways to save money on your comprehensive insurance policy

If you want to reap the benefits of a comprehensive policy while making cost savings, try these tricks:

  1. Pay a higher excess

    Broadly speaking, the more excess you're willing to pay, the greater the reduction in insurance costs. This is because you're committing to pay towards costs in the event of a claim, meaning the insurer won't have to pay as much.

    However, you must only set the excess to an amount you'd realistically be able to pay out in the event of a claim.

  2. Improve your security

    If your car doesn't have security devices in place already, fitting alarms and immobilisers will help deter thieves and limit the chance of the car being stolen. In short, the safer your vehicle is, the less you have to pay to insure it.

  3. Reduce your mileage

    Reducing your mileage whenever possible is a great way to make cost savings on your car insurance. Fewer miles means less time spent on the roads, and therefore you'll be considered less risk.

  4. Park in a safe location

    Did you know that over half of vehicle thefts occur during the night? If you park your car on the street overnight, insurers consider this to be high risk. On the other hand, off-street parking is considered a far safer alternative. So, if you've got a driveway or garage, use them!

  5. Choose a car in a low insurance group

    Still searching for your perfect car? Bear in mind that certain makes and models cost more to insure, for example a sports car will be more expensive than a family hatchback. There are over 50 different car insurance categories, so do your research before signing your name on that dotted line.

If you're interested in a Hastings Direct comprehensive car insurance policy, contact us or get an online quote today.

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