Comprehensive car insurance
OUR ASSESSMENT
The incident promises are useful distinctions, but the evidence and excess requirements remain important.
Features to compare
- Comprehensive cover includes an uninsured-driver promise, subject to the other driver’s details and policy conditions.
- The vandalism promise preserves the no-claims discount, but requires police reporting and a crime reference; the excess still applies.
Limitations and checks
- A protected discount does not guarantee an unchanged renewal premium. Check replacement transport separately.
The question to ask
What information must I provide for the uninsured-driver or vandalism promise?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
