Does comprehensive car insurance cover fire and theft?

Answer 1

Yes, it covers fire, theft, vandalism, glass breakage, damage from flying objects (like rocks), hail damage, animal collisions, flood, animal collisions...basically it covers all "acts of God" and non-collision incidents.

Answer 2

Comprehensive (a.k.a. - Other Than Collision) coverage provides coverage, subject to a deductible, for an insured's vehicle that is damaged by incidents that are not considered Collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are just some types of Comprehensive losses.

Answer 3

Yes

Answer 4

Yes.

In the UK, comprehensive cover means everything is covered.

In the US, comprehensive cover means non-collision damage only. Collision with animals and falling objects is covered under comprehensive, however.

Answer 5

In that case I would get third party fire and theft which basically means that you are covered for damage to others vehicles but not for the repair of your own if you are at fault. If someone else hits you then your car would be fixed by their insurance. To further complicate this I recently quote a cheaper quote from the same broker for fully comp than third party so it's worth asking for both. If you do go fully comp and make a claim against your own insurance (you hit someone or someone damages your car and runs off) then your premium will go up and it may have been cheaper to fix it yourself. The only good thing about fully comp is the courtesy car option. I would have been stuffed in the past without this BUT if you are hit by someone else their ins co should provide this, it just makes it easier to claim it on yours and for them to claim it from them. All car insurance is a con get the cheapest with the best options.

Answer 6

Yes.

Answer 7

Yes. They are normally covered. It would be better if they are expressly indicated on the policy to make sure of it.

Answer 8

yes