Comprehensive Motor Insurance Cover

A guide to motor insurance comprehensive cover information!

It is important to understand it is a legal requirement for all car drivers to be adequately covered. Under the Road Traffic Act it is an offence to drive your motor car or allow others to drive it without motor car insurance and give false statements or withhold information for the purposes of obtaining motor car insurance.

There are considerable differences between the three main types of car insurance offered by most motor insurers. Most private motorists appear to opt for motor insurance comprehensive cover with the remainder choosing third party fire and theft and a very small proportion taking out third party cover only.

What is Comprehensive Motor Insurance Cover?

This insurance cover includes third party fire and theft plus damage to your own motor car, loss or damage to personal effects in the vehicle, personal accident, death and disability benefit, medical expenses cover and windscreen replacement. Some motor car insurance companies will allow the policyholder to drive other motor cars. However, this can only happen with the owner's permission and insurance cover is limited to third party only.

Please always remember to examine your motor car insurance policy wordings carefully and check with individual insurance companies as there maybe excesses (the amount you automatically pay in the event of a claim), and any other conditions attached. All policies require your vehicle to be in a roadworthy condition and you must inform your motor Insurance company of any changes such as address, occupation, type of vehicle and motoring convictions during the lifetime of the insurance policy.

Once you have purchased your comprehensive motor insurance you can expect to receive three documents. Initially a cover note, which acts as a temporary certificate until you receive the actual certificate itself. These are considered evidence of insurance as required by the Road Traffic Act. And then finally the policy document. As previously stated it is vital that policy documents are read very carefully as they set out the terms and conditions of your motor insurance.