What does Comprehensive Insurance cover?

Comprehensive Insurance usually covers:

– Liability of passengers for accidents caused by them
– Liability for injuries to other people, including passengers
– Liability for damage to other people’s property
– Liability arising from use of a caravan or trailer whilst attached to the car
– Fire damage and/or theft
– Accidental damage to your own car
– A personal accident benefit – certain amounts are paid in the event of the death or specific permanent disablement of the policyholder (and sometimes his or her spouse or family member)
– Medical expenses necessarily incurred, up to a stated limit
– Loss of or damage to personal effects in the car, up to a stated limit