A comprehensive insurance policy covers your car for theft, vandalism, fire, natural disasters (including storms and floods), objects falling on the car, damage caused by animals, and civil disturbances such as riots. Your car is also covered for damage caused by a collision, whether it is your fault or not. All of the above should be covered, but you need to check the policy details in case there are exclusions.
In contrast, if you have third-party insurance rather than a comprehensive policy, your cover provider will only payout in the case of fire, theft and malicious damage. If the car repairs are the result of a collision that is not your fault, you can claim for repairs. Your insurance company will claim against the insurance company of the person responsible for the accident.
- delays to repairs
- the quality of the work carried out
- further damage caused during repair
- lack of a courtesy vehicle
- the decision to repair instead of writing-off the vehicle