Fully comprehensive insurance is a type of car insurance policy that provides the most extensive coverage available. It is also known as "full coverage insurance" and includes both collision and comprehensive coverage. Comprehensive coverage is an optional coverage that protects against damage to your vehicle caused by non-collision events that are outside of your control, such as theft, fire, natural disasters, and animal damage. Collision coverage, on the other hand, helps pay to repair your car if its damaged in a collision with another vehicle or object, such as a fence. Fully comprehensive insurance also includes liability insurance, which pays for damage and injuries you cause others while driving, and protects you financially if youre sued. If you finance or lease your car, your lender will likely require you to have fully comprehensive insurance. If you own your vehicle outright, it is optional coverage on your car insurance policy.