Comprehensive cover often refers to the "top-of-range" insurance option when purchasing a new insurance policy. This kind of cover is not always suited for everyone. There are numerous reasons for this, first being that it is the most expensive cover available. Additionally, your insurance needs may not require that kind of insurance cover. If your current vehicle is already paid off, older than five years and maybe a little run down, but still works well then you may want to consider getting only collision and 3rd party liability cover. This will keep premiums down and you will only need to pay for repairs on your vehicle if you are at fault in an accident. On the other end of the spectrum, when you buy a new car and have it financed, the financial institution that issued the loan to purchase the vehicle may require comprehensive as well as top up cover before you may take delivery of the vehicle.