Comprehensive Car Insurance

Comprehensive covers your car for insured accidents, fire, theft and hijacking, as well as your legal liability for damage to someone else’s car or property. Hail cover is an optional extra. With A&G, you also have a dedicated claims consultant to guide you through your claim.

The third party is the other person whose car or property was damaged. You’re the policyholder, or first party, and A&G is your insurer, or second party. For example, if you reverse into another person’s car, that person is the third party.

Tell us about the accident. We’ll assess the claim and pay covered third-party costs when you’re legally responsible for damage to someone else’s car or property. If another driver damaged your car, we’ll explain claiming through your Comprehensive cover and any recovery options.

Yes. Speak to us about upgrading to Comprehensive Insurance. A consultant will explain the cover, quote your new premium and confirm the agreed start date.

Comprehensive Car Insurance doesn’t cover mechanical, electrical or electronic failure, or wear and tear. Engine damage caused by an insured accident is assessed under accident cover. A motor warranty is separate cover for listed mechanical and electrical faults.

An excess is your share of a covered claim. Your policy schedule shows your basic and any additional excesses. A write-off means settling the loss instead of repairing your car. We decide whether to repair or write it off; standard settlement is capped at the value shown on your policy.

Your policy records the insured value. Trade value is what a dealer would pay; retail value is a dealer’s selling price. Market value sits between them, taking age, mileage and condition into account. Too low an insured value can leave you with a shortfall. Optional BetterCar Value for qualifying cars up to eight years old pays for an equivalent model one year newer after a covered write-off. If no newer model exists, settlement is 15% above retail value. For theft or hijacking claims, including attempts, the uplift doesn’t apply; standard retail value is used.

The regular driver is the person who uses the car most often, so record them accurately on your policy. Third-party liability is your legal responsibility for damage to someone else’s car or property. Optional extras are benefits you add for an extra premium, such as hail, car hire and sound-system cover. They must be selected and shown on your policy.

AutoSOS in the A&G app can detect a severe accident and alert the call centre. The team tries to contact you and sends medical help if you need it or can’t be reached. The regular driver must be activated on your online profile, create their own profile and enable the app on their smartphone. Explore AutoSOS and your other Assist Benefits, including home, medical and legal assistance.