Comprehensive car insurance meaning? Comprehensive insurance cover is a type of vehicle insurance that covers damage to your vehicle caused by causes other than a collision. It covers your vehicle if, among other things, it is destroyed by a hurricane, destroyed by animals such as an elephant, damaged in a robbery, or destroyed by a collapsing garage.

Comprehensive car insurance cover is aimed at protecting you financially against theft, disasters brought about by natural phenomena such as Cyclone Anna which nearly threatened Zambian not so long ago, and other damages that may not be caused by you. This insurance means that if a tree or a ZESCO pole falls on your car at night or a thief takes it away, you are not the one who has to pay for it but the insurance firm.

Comprehensive car insurance meaning

Comprehensive insurance is designed to cover the cost of repairs to your vehicle that are not caused by an accident that you are involved in like a head-on collision or accidents of a similar nature.


When you buy comprehensive insurance cover for your vehicle, you choose a certain deduction – the amount which needs to be paid by yourself for the insured claim. For example, you decide to take a K500 discount, and your car is later damaged by a natural disaster in a closed claim. If your car repair cost is K2,000, you pay a K500 discount and your insurance company will pay the other K1,500.

Comprehensive insurance cover has a limitation in terms of the amount to be paid for covered claims. A fully comprehensive insurance limit is usually the exact monetary value of the insured car.

For example, if your car is stolen, your insurance company will compensate you for the loss in the value of your car minus your excess. In other words, if you want to replace your stolen vehicle with a newer make and model, you may have to spend some of your own money to top up on the amount that the insurance company compensates you for the loss.

Choosing a comprehensive coverage deductible

Your insurance company offers comprehensive deductibles for certain measures in increasing order such as K500, K1,000, or K1,500. Choosing a higher level of a comprehensive insurance policy usually results in lower premiums, which can save you money. Nonetheless, you may have to pay more from your own pocket for an insured claim. Comprehensive car insurance meaning in a like manner relates to choosing a lower comprehensive deduction means your insurance cover amount increases. Your representative can help you determine what cuts and limits will best suit your needs.

What comprehensive insurance covers

What is meant by comprehensive cover? Every other accident that happens is peculiar on its own and whether or not comprehensive insurance covers your accident depends on various situations. The following are some types of damage that can be covered by a comprehensive insurance cover.

  1. Theft
  2. Fire
  3. vandalism
  4. contact with animals
  5. Falling or flying objects
  6. Hailstorm
  7. Damage to the windshield
  8. Earthquake