Comprehensive car insurance generally covers accidental damage to your car from events such as collisions, theft, fire, storms and hail, and usually includes cover for damage you cause to other people’s vehicles or property. Optional benefits such as hire-car cover, roadside assistance, windscreen protection or new-car replacement may be available, but they are not automatic. Common exclusions can include unlicensed or inappropriate driving, alcohol or drug impairment, unlisted drivers, wear and tear, mechanical failure and intentional damage. Check the policy wording, excesses, agreed or market value and benefit limits, as your insurer assesses claims under its specific terms.