Comprehensive insurance policies offer protection to your vehicle against a number of losses. Apart from covering for repairs or a replacement, it also offers cover if your vehicle is lost or damaged by any of the following: Weather - hail, rising water, lightning, and windstorm. Rock or gravel damage to your windshield, missiles and falling or flying objects. Fire, earthquake, civil commotion or riots, impact with a domestic or wild animal. Theft, vandalism and malicious mischief. A comprehensive insurance also covers your vehicle and other vehicles (in limited scenarios) you may be behind the wheel of for losses resulting from incidents other than collision.