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Comprehensive Car Insurance
Get peace of mind with Comprehensive Car Insurance. Drive with confidence, knowing you’re covered should the unexpected happen.
What is Comprehensive Car Insurance?
Comprehensive car insurance or ‘Fully Comp’ as it’s sometimes known as, is one of the highest levels of car insurance. This type of insurance covers you and damage to your car. It also covers third parties if you’re involved in an accident.
In the event of a car accident where your car is damaged, you can make a claim and have your car fixed.
This also includes damage caused by theft or attempted theft and fire.
Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.
What are the benefits of Comprehensive Car Insurance?
Not sure if this cover is right for you? Here are some of the features and benefits that you can expect.
What’s covered with Comprehensive Car Insurance?
While this insurance tends to be a more expensive level of car insurance, it offers a greater level of protection.
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Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. For more information please refer to the Insurance Product Information Document: Comprehensive (PDF, 118KB)
Optional extras
Want extra peace of mind? You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:
- Guaranteed Replacement Car
- RAC Breakdown Cover
- Motor Legal Protection
- Keycare Cover
- No Claims Discount Protection (NCD)
Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected.
Frequently asked questions
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In addition to the level of cover you choose, there are several things which can affect the cost of your car insurance premium:
- Your estimated annual mileage
- Any existing no-claims discount
- The group, age and value of your vehicle
- Security features or vehicle modifications
- Any amount of voluntary excess you choose
- Whether you live near a crime or accident hot spot
- Any named drivers who will also be using your vehicle
- What you generally use your car for. For example, travelling for work
- Where you usually park overnight. For example, off-road or in a garage
- Optional extras, such as enhanced legal assistance, guaranteed replacement car cover, breakdown cover etc
When shopping around for car insurance, make sure you check the terms and conditions carefully. Price is a key factor, but also make sure you’re getting the level of cover you’re most comfortable with.
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Many people assume that having comprehensive car insurance allows them to drive other vehicles. For example, you might drive a relative’s car once in a while.
It’s important to know that you’re only covered to drive another car if:
- you’re named as a driver on the insurance policy covering the car you plan to use
- your own insurance policy states that you can use another car. You’ll usually find this on your Certificate of Insurance
Of course, the car you drive must also be insured by the registered keeper or owner.
Even if you have comprehensive insurance on your own car, make sure you check the policy details carefully before getting behind the wheel.
You might only be protected:
- For some purposes, such as social or domestic, but not business use
- By third party cover, rather than a higher level of cover you might have on your own car
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Each insurer sets their own expiry period, but with Halifax your quote is valid for 30 days, giving you time to consider your options.
Of course, if you’re happy with the quote you’ve received, you might like to go ahead and purchase cover. The choice is yours.
Just be aware, if any of your details change between getting a quote and buying cover, your premium costs could go up or down. But it’s important to give accurate information at all times, ensuring you’ve got the level of cover you need.
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When you get a car insurance quote, the insurer will complete a ‘soft’ credit check, confirming that the information you’ve given is accurate.
The credit reference agencies Halifax use include TransUnion, Experian and Equifax.
Although they might be visible on your credit report, soft credit searches won’t affect your credit score, or your ability to get credit in future.
When you go on to buy cover though, depending on how you choose to pay, there is potential for impact to your credit score.
If you pay monthly, it’s like taking a 12-month loan with your insurer:
- You’ll pay a bit more to cover any interest
- A ‘hard’ credit check will be completed, which could affect your credit record
- If you don’t keep up with your payments your policy could be cancelled, and your credit score could be affected. If you’re experiencing financial difficult at any time, please get in touch so we can find a way to help
However, this is a flexible option. By sticking to your monthly payments, it could eventually help to improve your credit score.
If you pay annually, there’s no aspect of credit, so you could benefit from:
- a cheaper premium, with no interest to pay
- the option to pay with a credit or debit card
However, if you fall behind with your credit card or other bills as a result of paying your car insurance premium in one go, you could cause damage to your credit score.
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Most insurers offer the option to pay your annual car insurance premium in monthly instalments, subject to status, or as a single payment covering you for the year ahead.
Paying monthly
In essence, this involves taking a 12-month loan with your insurer. That means:
- you’ll pay a bit more to cover any interest
- your application will show on your credit record
- If you don’t keep up with your payments your policy could be cancelled, and your credit score could be affected. If you’re experiencing financial difficult at any time, please get in touch so we can find a way to help
However, spreading the cost of your car insurance could help you to:
- avoid a single hit to your monthly budget
- automate your payments with a simple Direct Debit
- improve your credit score over time by sticking to your payment plan
Paying annually
By paying for your car insurance in one go, you could benefit from:
- a cheaper premium, with no interest to pay
- the option to pay with a credit or debit card
Obviously, the main disadvantage is having to pay out a lump sum, all at once.
You should also be aware that, if you don’t keep up with your credit card and other payments, your credit score could be affected, and your accounts or policies could be restricted or cancelled.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.