Comprehensive Car Insurance

Bank of Scotland Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

What is Comprehensive Car Insurance?

Comprehensive Car Insurance or ‘Fully Comp’ as it’s sometimes known, is one of the highest levels of car insurance. This type of insurance covers you and damage to your car and also covers third parties if you’re involved in an accident.

In the event of a car accident where your car is damaged, you can make a claim and have your car fixed. This also includes damage caused by theft or attempted theft and fire.

What are the benefits of Comprehensive Car Insurance?

Features and benefits

  • 3 year guarantee on approved claims repairs - get peace of mind with our guaranteed repairs
  • Courtesy car – whilst your car is at one of our approved repairers. Subject to availability and eligibility
  • New car replacement – if a car you bought new in the last 12 months is stolen and not recovered
  • Vandalism cover – if your car is damaged maliciously, you're still protected
  • 60 Days European Union Cover - enjoy the same level of cover as you get in the UK

Service which is by your side

  • 24/7 online My Account - manage your car insurance policy online when it's convenient to you
  • 24/7 Emergency Claims Helpline - available to help 24 hours a day, seven days a week if you need to make a car insurance claim
  • 24/7 Emergency Windscreen Helpline - available to take your call 24 hours a day, seven days a week

What is covered by Comprehensive Car Insurance?

While this insurance tends to be the most expensive level of car insurance, it offers a greater level of protection.

Table outsides features of Fully Comprehensive Car Insurance

What am I protected against?

What is covered by comprehensive car insurance?

What is not covered?

Ready to apply?

What am I protected against?

  • Accidental or malicious damage
  • Fire
  • Theft and attempted theft
  • Vandalism

What is covered by comprehensive car insurance?

  • the car and accessories
  • personal belongings
  • glass damage
  • Personal Accident Cover
  • driving abroad
  • Replacement locks if your keys or ignition activation device is stolen
  • Battery cover-  whether your battery is leased or owned we’ll cover accidental damage, fire and theft
  • Cable cover- your charging cable is covered for accidental damage, fire and theft

Some manufacturers may require you to have separate battery insurance.

What is not covered?

  • misfuelling the car
  • loss or damage to the car due to leaving the car in a state where it’s either left running, unlocked, open or unattended
  • loss or damage to money, credit debit/cards and telephones
  • the excess for all relevant claim types shown in the schedule of Insurance

Ready to apply?

Get a quote

 

Log in and get a quote

Call us to get quote on: 0330 018 2884

Lines are open Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holiday's 10am-4pm.

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. For more information please refer to the Insurance Product Information Document: Comprehensive (PDF, 118KB).

Not sure what type of car insurance is right for you?

If you're looking for car insurance but you're not sure which type of cover you need, we're here to help.

Get a quote by phone

If you'd prefer to speak to someone,  call us to get a quote on 0330 018 2884.

Lines are open Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holiday’s 10am-4pm.

We welcome calls from the Next Generation Text Service. If you want to communicate with one of our representatives add 18001 before the number you require. Find out more about the Next Generation Text Service.

Car Insurance optional extras

Want extra peace of mind? You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:

Guranteed Replacement Car Cover
RAC Breakdown Cover
Motor Legal Protection
Keycare Cover
No Claims Discount Protection (NCD)

Find out more about Car Insurance upgrades

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. 

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.