What does comprehensive (all risk) coverage exclude?

Comprehensive (all risk) coverage is designed to provide broad protection against various types of damage to a vehicle, but it does have specific exclusions. Damage caused by collision or upset is one of these key exclusions. This type of coverage typically protects against incidents like theft, vandalism, and various non-collision incidents, in addition to environmental damage. However, when it comes to damage resulting from an actual collision or rollover of the vehicle, that falls under collision coverage, not comprehensive coverage.

In contrast, damage caused by fire, theft, and animals would typically be covered by comprehensive insurance policies, as these incidents are usually considered outside the scope of collision-related risks. Understanding the distinction between collision and comprehensive coverage is crucial for selecting the appropriate insurance protection.