Best Comprehensive Car Insurance

Comprehensive car insurance covers damage to your own car, as well as damage you cause to another car or property. The best comprehensive car insurance will give you peace of mind about several things that really matter if you’re in an accident or have your car stolen.

For example, the best comprehensive car insurance will often include a feature to provide a replacement vehicle if your car is stolen, or while it is being repaired after an accident. If you need your for commuting to work or other priorities, then having a replacement vehicle is an important aspect of the best comprehensive car insurance policy.

For other drivers, the most important thing to determine the best comprehensive car insurance policy is whether you get to choose your own repairer. Some policies make you use a repairer nominated by the car insurance company. You might have a mechanic you’ve taken your car to before, and you might trust them to do the repairs. A ‘choice of repairer’ feature will allow you to do this.

No matter which feature is most important to you, it’s important that you shop around and compare several policies to help you get comprehensive car insurance which provides good value. Comparing car insurance brands online will give you the information you need to make the right choice between competitors.

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Does insurance cover a stolen car if keys were in the car?

A car insurance policy that covers the theft of your car, such as third party fire and theft insurance, usually covers a stolen car, even if the keys were in the car’s ignition.

However, your insurer may deny the claim if you live in an area where there have been several car robberies reported recently. They will see you leaving the keys in the car as a case of negligence. In such cases, your insurance provider may even expect you to have installed anti-theft security measures in your car. 

You may need to confirm whether or not you left your keys in your car, and if they had been stolen or misplaced, before filing your car insurance claim. The loss or theft of your car keys may be covered by a comprehensive car insurance policy, but usually as an optional item.

If you can confirm that your car keys were stolen, mention this in your claim as this will help establish that your car was not stolen as a result of your negligence.