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What is Fully Comprehensive Car Insurance?

Fully 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.

Lloyds Bank 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 are the benefits of Fully 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 you can trust

  • 24/7 online Self-Service Centre - 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 Fully Comprehensive Car Insurance?

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

Table outlines the features of Fully Comprehensive Car Insurance

What am I protected against?

What is covered

What is not covered?

What am I protected against?

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

What is covered

  • the car and accessories
  • personal belongings
  • glass damage
  • Personal Accident Cover
  • driving abroad
  • Replacement locks if your keys or ignition activation device is stolen

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

Terms, conditions and exclusions apply to all benefits. Normal Excess applies and No Claims Discount may be affected. For more information please refer to the Insurance Product Information Document: Comprehensive (PDF, 210KB).

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.

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I'm new to Lloyds Bank

Get an online car insurance quote with Lloyds Bank Car Insurance. It only takes a few minutes to get a quote for your car insurance. You can also retrieve a saved quote.

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Get a quote by phone

If you'd prefer to speak to someone, call us to get a quote on 0330 018 1403.

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

Get peace of mind with additional cover options

We offer additional cover options. You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:

Find out more about Car Insurance upgrades

Terms, conditions and exclusions apply.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.