What does comprehensive cover typically include aside from collision damages?

Comprehensive cover is designed to protect vehicle owners from a variety of non-collision related risks. One of the key components of comprehensive insurance is coverage for damage caused by natural events, such as storms, floods, hail, or falling trees. These events can lead to significant damage to a vehicle, and having comprehensive cover ensures that the policyholder will receive compensation for repairs or replacement due to these circumstances.

While other options like mechanical breakdowns, loss of personal belongings, and liability for damage to others' property may be relevant aspects of car ownership and insurance, they do not fall under the umbrella of comprehensive coverage. Mechanical breakdowns are generally considered maintenance issues and may require separate mechanical breakdown insurance. Loss of personal belongings is usually not covered by comprehensive insurance, as it primarily focuses on vehicle damage. Liability for damage to others' property relates to third-party insurance, which is a different type of coverage altogether, as it covers damages caused to other people or their property in incidents where the insured is at fault. Comprehensive cover specifically addresses risks to the policyholder's own vehicle, particularly those arising from events beyond collision.