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Although you may be covered to drive other cars as part of your insurance policy, this cover often specifically excludes rental vehicles. Instead, your rental car provider will have insurance built into the cost of the hire – with a few options that’ll let you reduce any excess you’ll pay in the event of an accident.

Since car insurance policies are designed to put things right after an accident, most standard cover doesn’t protect against non-motoring criminal acts like vandalism. That said, many insurers can add vandalism cover to your policy if you’re worried about deliberate damage.

If you have a fully comprehensive policy, you’ll generally find that insurers will pay out for severe weather damage like that caused by hail. Be warned though, not all do – so if you’re concerned, it’s important to check your policy for any exclusions.

As long as you have fully comprehensive cover with no exclusions relating to flood or water damage, you should find that your car insurance covers water damage. Be warned though, if the damage was avoidable (if you drove into a large puddle for instance) you might find your insurer won’t payout.

Comprehensive car insurance - often referred to as fully comprehensive (or ‘fully comp’) – includes cover for damage to your own car, whereas third party, fire and theft policies only cover damage to someone else’s vehicle and not your own.

In short, if you have comprehensive car insurance, it will pay for repairs under certain conditions.

If your car insurance covers windscreen damage, it will probably also include cover for all other broken car windows, and some policies extend cover to glass sunroofs.

Many comprehensive car insurance policies provide cover for a cracked windshield, but not all. When taking out car insurance, check that windshield cover is included, otherwise you may need to pay extra for this cover.

In most cases, your car insurance will provide cover for the cost of minor engine damage as the result of an accident, but it may not cover damage due to wear and tear.

If you’re involved in a hit and run accident, some car insurance policies will cover the cost of repairing your car, or pay you the current market price if it’s written-off.

Most comprehensive car insurance policies will cover repair for damage caused by potholes on public roads. Alternatively, you can claim directly from the authority responsible for the road.

Depending on the type of car insurance you have in place, it’s likely your policy will provide cover for theft.

If the cause of water damage to your car is not your fault, a comprehensive insurance policy will provide cover, but a third party insurance policy is limited and does not normally include water damage.