Comprehensive car insurance
Why choose our comprehensive cover?
At Ageas, we want to make car insurance easy. Our comprehensive car insurance provides our highest level of protection for you and your car.
Uninsured Driver Promise**
If your car is hit by an uninsured driver your excess will be reimbursed and your no claims discount reinstated.
Make a claim 24/7
If you need to make a claim, our claims service is on hand 24/7, 365 days a year to help get things back to normal fast.
Courtesy car provided as standard^^
Keeping you on the road while your car is being repaired by our approved repairer.
- Accidental or malicious damage to your car, including vandalism
- The cost of replacing your windscreen or window glass*
- Fire, theft and attempted theft
- Personal accident cover in the event of injury or death when you’re travelling in, or getting in or out of your car*
- Medical expenses if you or a passenger is injured in an accident involving your car
- Personal belongings in the car that are lost or damaged following an accident, fire or theft involving the car*
- Replacement of your car key, lock transmitter or entry card if it's lost or stolen*
British Insurance Award Winners 2023
Ageas won Personal Lines Insurer of the Year at the British Insurance Awards for the third consecutive year.
Solved: Useful tips and guides
Helping you take care of what matters to you - get tips on your car, driving, insurance and more.
Frequently asked questions
Comprehensive car insurance, also known as fully comprehensive cover, is the highest level of car insurance cover you can get. It covers you and your car, as well as other road users in case of an accident, while third party, fire and theft and third party only policies exclude damage to your car. Across all levels of cover, most insurers will also give you the option to add optional cover to your policy at an additional cost. These add-ons usually include breakdown cover, excess protection and legal expenses cover.
Comprehensive insurance cover will vary depending on the insurer, but most comprehensive policies cover accidental or malicious damage to your car, costs associated with fire and theft, windscreen damage, damage or loss of your personal belongings, expenses related to personal injury and replacing your car key or lock transmitter.
Historically, most comprehensive car insurance policies, as well as third party, fire and theft and third party policies, used to include ‘driving other cars cover’, meaning you would be insured to drive other vehicles, at least with third party cover. These days, fewer policies include this†, so you should always check your policy documents to see if you’re covered. Please bear in mind that cover to drive other cars is always subject to terms and conditions. When in doubt, it’s safer to assume you are not covered and avoid driving other cars until you know for sure.
Car insurance is a legal requirement to be able to drive in the UK and you can choose from three levels of cover: comprehensive, third party, fire and theft and third party only. When considering which level of cover to go for, it’s worth bearing in mind that a comprehensive policy provides the broader level of cover available and won’t necessarily cost you more. Ultimately, choosing the right insurance cover will be down to your own needs, but it’s important that you read all policy documentation thoroughly before deciding on a policy to make sure you understand exactly what you’re covered for.