Fully comprehensive is often seen as the top level of insurance cover available, and as a result is usually significantly more expensive than third party only, or third party fire and theft cover.
If you decide to select a fully comprehensive policy for your bike insurance you will learn that this level of cover offers much improved protection when compared to other levels of cover. Providing you with greater protection from any financial repercussions that may arise from any accidents you are involved in.
Just like third party and third party, fire and theft, full comprehensive cover you insure you for any damage that you do to other people, including their vehicles and property.
You will also be able to make a claim should your bike be stolen, or damaged or destroyed as a result of a fire.
The benefits of full comprehensive bike cover are that you and your bike will also be insured in the event that you are involved in an accident in which you are at fault, or one in which no blame can be apportioned.
It is worth noting however that there are still numerous situations in which you may not be covered, even with a fully comprehensive level of cover. Just because the bike insurance policy is described as comprehensive doesn’t necessarily mean that it will offer you protection against any eventuality.
Like other levels of cover, there can a number of additional features and extras that you can bolt on to your fully comprehensive bike policy. Some of these may be included by your insurer at no extra cost, so it’s worth double checking your policy to make sure you aren’t duplicating your cover.
Courtesy motorbike
Some insurance policies will provide you with a temporary replacement motorbike while your own bike is getting repaired. Whereas with some insurers you’ll have to pay extra for this service.
Legal expenses cover
Also known as legal protection or assistance, this extra will help you to claim compensation for other parties that were involved in an accident for which you were not at fault. Should you have been injured in the accident, then you may be able to seek damages.
Breakdown cover
In most cases a fully comprehensive policy will not cover you if your bike breaks down while out on the road, or if it needs repairs. It may be possible to add breakdown insurance to your policy, or buy it separately from a different company.
Even with a fully comprehensive bike insurance policy there are still a number of options and extras that can be add to the overall cost of your cover.
With that in mind it is often a good idea to compare as many policies as you can from the leading motorbike insurers. Not only will this enable you to find the right policy for your requirements, but hopefully find you the cheapest premium too.
