The safest and most cautious drivers sometimes have to deal with damage to their vehicles.

Regardless of how carefully we drive, store and maintain our cars, there are a number of risks to vehicles - from accidents, theft and vandalism to extreme weather events, and it is for this reason that motorists invest in comprehensive car insurance.

What to look out for in Comprehensive Car Insurance policies

Numerous types of vehicle damage are covered by comprehensive insurance plans.

When looking at a policy, it pays to be aware of whether or not particular items are covered, as there are many different types of policy and details that can vary. You will want to know about their the list of authorised workshops.

For example, your car may be covered against theft, but valuables and personal belongings inside the vehicle may not.  If your car is broken into, items such as money and electrical items (including car stereos) may or may not be covered

Without the right comprehensive car insurance policy, car accidents can be very expensive.

Motorists that are involved in accidents may face costs to pay for car repairs as well as other expenses such as car transportation if their car needs to be towed, and some comprehensive car insurance policies may fully cover.

Many different scenarios and types of damage can be covered, depending on the policy and the insurer.

Value for money and discounts

To find the best value for money, it is important to look at more than just the price tag on comprehensive car insurance policies.  Finding the best value for money can also mean reviewing the details of what your plan does and doesn’t cover.

It is also worth looking at what discounts you may be able to get for an insurance plan, depending on your personal circumstances.

No claims discounts may apply to drivers who have not made a recent car insurance claim.

The conditions surrounding these discounts vary between insurers and policies, but they can considerably reduce the cost of insurance excesses for drivers who have not recently made any claims.

Other discounts may be available for motorists who restrict the amount of drivers covered by their plan -  which can mean that only nominated people are covered to drive the vehicle, or that no drivers under the age of 25 are listed on the policy.

Restricting your policy in this way may reduce the cost of premiums, but it is important that policy holders ensure that people not covered do not drive the vehicle or vehicles in question, as this may invalidate any coverage in case of an accident.

Comprehensive car insurance can protect you from a range of “worst case scenarios” both on and off the road. To find the best value for money, it is recommended that consumers look at what is covered by each plan, and compare different policies across the market to find the right plan for them.

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