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.