What Does Comprehensive Motor Insurance Include?

Learn more about comprehensive motor insurance. Learn how to protect your vehicle from loss and safeguard your investment.  

Comprehensive motor insurance is one of the most important investments you can make in your vehicle. Does it include everything you need? Finding affordable comprehensive car insurance is not hard to do. However, it is important to look through your policy thoroughly to determine which plan is right for you as well as what additional types and levels of coverage may also be valuable.

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Comprehensive Insurance Cover offers the highest amount of protection

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Your vehicle is a large investment. Every day, this asset is at risk for something to happen to it. You may think the real risk is on the road, where other drivers are your biggest threat, but that is not always the case. Your vehicle insurance needs to protect against as many as is possible.

Most comprehensive motor insurance policies provide coverage like:

  • Accidental damage
  • Collision or crash (protects against the damage to your vehicle and property, not only to other drivers)
  • Fire (damage to your vehicle)
  • Flooding (damage to your vehicle only)
  • Earthquakes
  • Storms
  • Theft or attempted theft that damages your vehicle
  • Explosion

Automatic coverage for modifications, options and accessories may also be available with your plan.

Third party liability insurance is often a part of comprehensive insurance plans. This type of cover protects you financially if you are found to be at fault for the loss of another person’s physical being or property. It does not protect your property, but rather keeps other drivers safe while you are on the road. The standard limit in Botswana on third party liability is P2,500,000. Additional cover amounts may be available.

What Else Does It Offer?

In addition to providing basic coverage, many comprehensive plans offer additional options that address specific needs. For example, you can add coverage such as a hired car if your vehicle is damaged and needs repair. Other options include excess-fire windscreen, glass cover, and sunroof cover. Some provide towing, tools of the trade, and additional liability coverage above the basic plan limit. Third party liability is ideal. Without this type of cover, if you were in an accident and were found to be at fault for that accident, you would have to pay for the losses of another party including medical bills and property damage.

Most car owners don’t want to think about anything bad happening to their vehicle. But if your car was lost due to damage from a weather event, could you get to and from work? Could you continue to make payments on the car if you owe on it still?

Making sure your car has comprehensive auto insurance coverage delivers peace of mind. You’ll know that if something where to happen, your insurance company will help you to cover the costs and get your vehicle back on the road again.

Do you have the best motor insurance? Request a quote for car insurance today and learn more about just how affordable this type of insurance can be.

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