Does fully comprehensive cover breakdown?
Asked by: Brenden Labadie | Last update: September 20, 2025Score: 4.7/5 (49 votes)
Does full coverage insurance cover breakdowns?
Car insurance may help cover the cost of repairs if the issue is the result of a collision or another covered incident, such as theft or fire. But repairs for routine wear and tear or mechanical breakdowns are typically not covered by an auto insurance policy.
What does fully comprehensive cover?
What is comprehensive car insurance? In a nutshell, comprehensive car insurance cover – sometimes known as fully comprehensive cover, pays out if you damage your car, someone else's car or injure someone in an accident, regardless of who is at fault. Comprehensive car insurance also covers you against fire and theft.
Does comprehensive insurance cover break ins?
Collision coverage won't protect you from theft either. Comprehensive is the only coverage that can cover car theft or damage to your car caused by theft or break-in.
Does comprehensive insurance cover engine failure?
It covers the damage caused to your car in an unforeseen event and the other person's car in case of an accident. Mechanical problems like engine failure are covered by car insurance only if it occurs because of an accident, flood, fire or vandalism.
What Is Comprehensive Coverage? | Progressive Answers
What isn't covered by comprehensive insurance?
What's not covered by comprehensive auto coverage? Comprehensive car insurance doesn't cover damage to your car from a collision with another vehicle or object outside of live animals. Any medical expenses for you and any passengers will also not be covered as a result of the incident.
Does insurance cover if your engine breaks?
When does car insurance cover engine repair? If you have comprehensive coverage and collision coverage, you're generally covered for engine repairs if the engine is damaged in an accident or due to an event outside of your control, such as a tree limb falling on your vehicle.
What does comprehensive coverage pay for?
Comprehensive coverage and collision coverage both insure your car, but they cover different events. Comprehensive insurance coverage pays for damage caused by events considered to be outside of your control, like theft, vandalism, hitting an animal, glass breakage, fire, and weather-related incidents (e.g., hail).
What is comprehensive breakdown cover?
Basic breakdown cover includes roadside assistance and vehicle recovery, while more comprehensive options might offer at-home assistance, onward travel arrangements, and additional extras. The cost varies based on coverage type, extras, number of vehicles, and vehicle specifics.
What type of damage would be covered under comprehensive?
Comprehensive coverage helps repair or replace your car after something other than a collision with another car. Things like theft, fire, hail damage or hitting an animal. It's optional if you own your car outright—but since these situations can happen to any driver, it's recommended to help with costly repairs.
What are the disadvantages of fully comprehensive car insurance?
There are downsides. If you are in an accident, comprehensive insurance won't pay for the damage: collision coverage does. Comprehensive insurance may also be expensive if you are purchasing it along with collision insurance.
What is included in a comprehensive?
What is comprehensive coverage? Comprehensive coverage helps pay to repair or replace a covered vehicle from a loss not caused by a collision. It includes a stolen covered vehicle, glass claims and windshield repair.
Will my insurance cover my car breaking down?
Car breaks down: Whether you're on a road trip or headed to work, car insurance doesn't typically cover breakdowns not related to covered accidents. However, your car warranty may provide coverage for certain parts for a set timeframe, or you can purchase more comprehensive mechanical breakdown insurance.
Do I need breakdown cover on my insurance?
No. Breakdown cover isn't a legal requirement. It's not mandatory, it's your choice whether you opt for it or not but the peace of mind that breakdown cover brings could well be worth it. No one wants to break down on a quiet sideroad at 2am and have no way of getting to home after all.
Does full coverage cover electrical problems?
Electrical problems from an incident out of your control: If your car's electrical issues were caused by an incident like a flood or fire, you'll need optional comprehensive car coverage for the repairs to be covered. Electrical problems from wear and tear: These aren't covered by standard auto insurance.
Does comprehensive cover car break ins?
Car Theft Insurance: When Am I Entitled to Coverage? Downey drivers whose cars are stolen in Califonia will have car theft insurance if they have comprehensive coverage. That should cover you up to the Actual Cash Value (ACV) of your vehicle. If your car is damaged due to a break-in, you'll also be covered.
How much does it cost for a breakdown cover?
Full service AA breakdown recovery for yourself and one person you live with in any car, as driver or passenger – from £210.56/yr direct, or from '£125.56/yr' via cashback sites. Though, with prices varying depending on how old you are and where you live, you'll likely be quoted a higher price.
How do I check if I have a breakdown cover?
If you're not sure whether you have breakdown cover, it's worth checking your records before you buy. This includes your emails and hard-copy documents. You can also call a provider to see if you're covered.
Is it better to have a $500 deductible or $1000?
Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.
Is it worth getting comprehensive?
Comprehensive coverage protects you from events outside your control like natural disasters or collisions with animals. These risks vary considerably from one area to another and might affect your decision about when to drop comprehensive coverage, especially on an older vehicle.
What does comprehensive insurance cover me for?
Comprehensive insurance provides the same level of cover as Third Party Fire & Theft but will also cover you in the event of an accident or damage caused by vandalism. With comprehensive cover you will receive compensation for the damage to your own vehicle even if you're at fault for the accident.
Does car insurance cover break in repairs?
Comprehensive car insurance typically covers repair costs resulting from break-ins, like a damaged window or door lock, but it's limited to permanent components of your car.
How much is my car worth if the engine is broken?
The value of a vehicle with engine problems depends on numerous factors including the year, make, model, mileage, condition, location, and more. If your engine blows up on you and you want to sell it, we can pay anywhere from $500 to $10,000 or more depending on what kind of car you have.
How much is mechanical breakdown insurance?
Mechanical breakdown insurance vs.
A Consumers Reports study found that that the average initial cost of an extended warranty was $1,214 for a three-year plan. Based on the prices we found, MBI costs would come out to about $180 to $450 for the six years the policy is in effect.