Comprehensive Car Insurance

Get peace of mind with Comprehensive Car Insurance. Drive with confidence, knowing you’re covered should the unexpected happen.  

What is Comprehensive Car Insurance?

Comprehensive car insurance or ‘Fully Comp’ as it’s sometimes known as, is one of the highest levels of car insurance. This type of insurance covers you and damage to your car. It also covers third parties if you’re involved in an accident.

In the event of a car accident where your car is damaged, you can make a claim and have your car fixed.

This also includes damage caused by theft or attempted theft and fire.

Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

What are the benefits of Comprehensive Car Insurance?

Not sure if this cover is right for you? Here are some of the features and benefits that you can expect.

Comprehensive cover at a glance

  • 3 year guarantee on approved claims repairs - get peace of mind with our guaranteed repairs.
  • Courtesy car – whilst your car is at one of our approved repairers. Subject to availability and eligibility.
  • New car replacement – if a car you bought new in the last 12 months is stolen and not recovered.
  • Vandalism cover – if your car is damaged maliciously, you're still protected.
  • 60 Days European Union Cover - enjoy the same level of cover as you get in the UK.

Service you can rely on

  • 24/7 online My Account – manage your car insurance policy online when it’s convenient to you.
  • 24/7 Emergency Claims Helpline - available to help 24 hours a day, seven days a week if you need to make a car insurance claim.
  • 24/7 Emergency Windscreen Helpline - available to take your call 24 hours a day, seven days a week.

What’s covered with Comprehensive Car Insurance?

While this insurance tends to be a more expensive level of car insurance, it offers a greater level of protection.

What’s covered with Comprehensive Car Insurance?

What am I protected against?

What's covered?

What's not covered?

What am I protected against?

  • Accidental or malicious damage
  • Fire
  • Theft and attempted theft
  • Vandalism  

What's covered?

  • the car and accessories
  • personal belongings
  • glass damage
  • Personal Accident Cover
  • driving abroad
  • Replacement locks if your keys or ignition activation device is stolen
  • Electric cars - Get accidental damage, fire and theft cover for your battery (whether your battery is leased or owned) and charging cable

What's not covered?

  • misfuelling the car 
  • loss or damage to the car due to leaving the car in a state where it’s either left running, unlocked, open or unattended
  • loss or damage to money, credit/debit cards and telephones
  • the excess for all relevant claim types shown in the schedule of Insurance

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. For more information please refer to the Insurance Product Information Document: Comprehensive (PDF, 118KB)

Not sure what type of car insurance is right for you?

If you're looking for car insurance but you're not sure which type of cover you need, we're here to help. 

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Get a quote over the phone

If you’d prefer to speak to someone, you can get a quote from a panel of insurers over the phone.

Lines are open Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holidays 10am-4pm.

0330 018 6312tel:03300186312

Optional extras

Want extra peace of mind? You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:

See optional extras

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.