Comprehensive car insurance (mikti)
Comprehensive (mikti) is the package that covers damage to your own vehicle — not only to third parties — beyond mandatory liability. It typically includes own damage, theft, fire, natural events and glass breakage, each with its own limits and deductibles. “I have comprehensive” alone does not tell you what you pay in a claim.
“Comprehensive” is not a single thing; it is a basket of component covers that varies by insurer and package. Two policies both called “comprehensive” can have completely different deductibles, limits and exclusions. Its value is judged in the details, not the label.
In your own policy, read which component covers your comprehensive includes and with what deductible each carries. Check theft, natural events and glass breakage in particular. PolicyWallet breaks your package down cover by cover instead of a single “comprehensive” label.
Upload your policy — free summaryFrequently asked questions
Does comprehensive cover damage I cause to my own car?
Typically yes, through own-damage cover — but with a deductible and within your policy's limits.
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Educational content, not insurance advice. PolicyWallet explains what the term means and helps you find it in your own document — it does not assert what your policy covers.