The need for and benefits of comprehensive car insurance has arisen owing to the fact that the third-party insurance policy does not provide a wide car insurance coverage. The third party car insurance policy only covers third-party damages by your car which does not provide coverage for the policyholder’s vehicle. Third party insurance policy does not also cover damages arising from natural calamities such as earthquakes, rainstorms etc., or thefts.

Thus, knowing that cars are usually quite expensive, there is need to provide it with a wide and comprehensive insurance coverage. And this will protect you against the costly consequence of accidents. Thus, whether the accident is a major one or a minor one, the comprehensive car insurance policy will provide you with insurance coverage.  As a result, comprehensive car insurance is essential for complete financial protection for your cars. And is therefore the right choice in the event of any unforeseen accidents or risks.

There are enormous benefits of Comprehensive car insurance policy. The policy provides you with a large range of insurance coverage to ensure your safety and that of your car. Thus, it provides covers for various risks to your car, its passengers, any property or valuables in your vehicle, as well as any damages caused to a third-party vehicle and its passengers. Some of the benefits of comprehensive car insurance policy include;

Provision of third party liability insurance coverage

Comprehensive car insurance coverage protects the car owner from third-party liability claims arising from accidents. As a result, if a vehicle with this coverage is involved in an accident in which a third party is hurt or killed, the insurance policy will compensate the third party/beneficiary.

Own Damage Coverage 

The comprehensive car insurance in this regard provides adequate protection for the car which is the subject of the insurance. It provides protections to the car from natural disasters such as severe weather conditions, earthquakes, floods, lightning, etc. Similarly, it also protects the car from un-natural disasters such as theft, riots etc.

Personal accident cover 

A comprehensive car insurance coverage also provide adequate compensation if an accident in the policyholder’s car leaves him with injuries or he is permanently disabled.

Protects vehicles from devaluation       

This type of car Insurance plan also helps you avoid the devaluation of your car. It helps to prolong the value and life of your vehicle. This is as a result of the fact that the insurance company will indemnify you for damages to your car or a replacement of your car in accordance with the current market value.

Provides Peace of Mind

The level of coverage offered by the comprehensive car insurance policy gives the policyholder peace of mind knowing that his policy protects him and his family against monetary losses.

Provision of coverage for medical expenses

Comprehensive car insurance policy also provides you with indemnity for the medical expenses incurred as a result of accident. The level of indemnity or coverage will largely depend on the terms of your policy with your insurance company.


Comprehensive car insurance policy provides a very wide range of coverage and is therefore, a better option to the third-party liability policy. Similarly, peace of mind from the comprehensive car policy is invaluable. This is because it provides the highest level of cover for your vehicle.


  1. Hi, i think that i saw you visited my blog thus i came to “return the favor”.I am attempting to find things to enhance my website!I suppose its ok to use a few of your ideas!!

Leave a Reply

Your email address will not be published. Required fields are marked *