Fully comprehensive car insurance means that the insured vehicle will be covered for various damages including flooding, hail or vandalism. The car is also covered if anything is stolen from or damaged inside the vehicle, or if the vehicle is stolen or destroyed in a fire.
Comprehensive coverage also includes damage to the vehicle if something falls on it or it is damaged during a natural disaster. If there is a lien on the vehicle, the lienholder will generally require full coverage. Even if there is no lien on the vehicle, a policyholder should consider replacement costs for the vehicle in the decision to purchase full coverage. Premiums for comprehensive coverage vary depending on the make, model and year of the vehicle.