Fully Comprehensive Vehicle Insurance


Fully Comprehensive or « all risks » insurance sounds like it should cover everything – only there are of course exclusions to every policy.  Each policy varies so you should be very clear what you’re getting for your money.  In the case of most insurers you will normally be insured against :-

  • Damage to your vehicle by most means, whether your fault or not
  • Damage to a third-party’s property
  • Injury to, or death of, a third party
  • Injury to you – medical fees
  • Windscreen damage
  • Theft of your car or bike
  • Vandalism to your vehicle if stolen or not
  • Accidental fire, or deliberate arson by a thief
  • Legal fees if you are required to go to court
  • Provision of courtesy cars in some cases

As with many things in life, however, the devil’s often in the detail. At Premium Choice we only offer good quality products backed by reputable insurers. We believe in being transparent and upfront with our customers at all times. A policy which seems to be cheap can sometimes come back and bite you if you have to make a claim. Always check the total excess on the policy you are buying. Sometimes these important details can be hidden away in the small print so you have to be careful.

Get fully comprehensive advice from the start !


At Premium Choice we’re specialists in a variety of sectors of specialist vehicle insurance so we’re used to advising our clients.  There are many factors to be taken into consideration.  These include things such as excesses, security requirements (garages, immobilisers, etc), recovery to a garage, hire cars, sound system cover, and much more.

Naturally you need to weigh up the benefits of each policy against the costs.  We’re here to help.

For Premium Comprehensive Cover & Advice - 0800 130 3744

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