The exact definition of limited comprehensive in regards to an auto insurance policy differs from one insurance company to another but it basically Limited Comprehensive policies exclude some of the benefits of Comprehensive insurance so are offered with a lower premium.

In the United States limited comprehensive coverages deal normally with commercial vehicles. For example Progressive's Commercial division states not all vehicles are eligible for Comprehensive insurance in all states. For these vehicles, they offer Fire and Theft with Combined Additional Coverage, which is a form of limited Comprehensive insurance designed especially for heavy trucks, such as semi tractors.

Fire and Theft with Combined Additional Coverage (CAC) insurance is sometimes called Limited Comprehensive insurance or Specified Perils insurance.

Fire and Theft with CAC insurance provides protection for a vehicle in case it is damaged by specific, non-collision incidents. Fire and Theft with CAC insurance pays to repair or replace your vehicle in case of the following, specific circumstances:

• Fire
• Theft
• Windstorms or hail
• Earthquake
• Lightning or explosion
• Flood or rising waters
• Malicious mischief or vandalism
• The stranding, sinking, burning, collision or derailment of any conveyance in or upon which your vehicle is being transported.
• Collision with an animal

The term Limited Comprehensive is more widely used overseas in Europe and the UK. In these areas many insurance companies list limited comprehensive as covering an unexpected event (not a crash) damages your vehicle. So the damages to your vehicle as a result of:

• Attempted theft;
• Glass breakage (a crack or pebble in the windscreen);
• Fire;
• Natural elements such as hail or storm;
• Collision with animals in the road.

So limited comprehensive overseas is very similar to what we normally refer to as just comprehensive here in the states. Fully comprehensive (full comp) overseas means both limited comprehensive and collision (damage to your own vehicle caused by collisions) coverages along with other coverages such as third party (liability) and is what many in the United States refer to as "full coverage."

If you are interested in an insurance policy with limited comprehensive as part of the coverages then check with the insurance company providing the policy to get their definition of this coverage to see if it meets your needs.

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