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Tommy from HomeApproved takes you through the elements of fully comprehensive car insurance. http://ow.ly/bRT8l
Comprehensive motor insurance is usually the most expensive type of policy you can get in the UK. It provides full cover for almost all types of damage, but some policies have exclusions so always read the small print.If your vehicle is valued at over £5,000 then, by law you must have comprehensive cover, thus the majority of motor policies sold in the UK are of this type.
Exclusions will vary according to your provider but may include (for example) legal fees, breakdown cover, windscreen damage, and medical fees. The excess can also vary and is agreed between you and your insurer.
Fully comprehensive motor insurance will cover everything as in a standard Third Party Fire and Theft (TPFT) policy with the addition of Accidental Damage. This is defined as damage to insured’s vehicle, which includes malicious damage.
A quick update on the latest cashback offer from Norwich Union car insurance.
Currently being promoted on national television and through other mediums is a deal which offers any new customer who buys a fully comprehensive car insurance policy and has 3 or more years NCD, up to £75 cashback.
The cashback you receive is dependent on the total premium you pay. Norwich Union (NU) expect 10% of customers to receive the full amount of £75.
Your cashback will be processed within 8 weeks of your commencement date, subject to the policy still being live and validation of your no claims discount be received. NU will contact you in writing to advise how you can claim your cashback after your policy has been in force for a month.
This offer is available for a limited time only and can be withdrawn at any time. Excludes Simple Cover. New customers only, excludes renewals.
This last year 2007 we have witnessed many insurers launching a speight of new dressed-down motor insurance policies.
Often referred to as simple or no frills car insurance, the objective of such policies is to enable the policyholder to tailor their own policy online, so you only buy the cover you want/need.
Norwich Union have led the way with agressive marketing for their Simple cover car insurance product. The policy is marketed as Comprehensive cover (not Third Party Fire & Theft).
Motorists considering this type of policy should always be aware of exactly what they are being covered for. Stripped out policies could leave you short should you need to make a claim and suddenly realise that although the premium was attractively low the levels of cover provided are not sufficient.