Which type of peril is typically covered under a standard comprehensive personal motor insurance policy?

A standard comprehensive personal motor insurance policy typically covers a wide range of perils, which are specific events or risks that can cause damage to the vehicle or result in liability. Among the options provided, fire and explosion is indeed one of the perils that is commonly covered under a comprehensive policy. This type of policy aims to protect the insured vehicle against various risks, ensuring that the insured is not burdened by significant repair costs or losses in the event of such incidents.

In addition to fire and explosion, comprehensive policies usually also include coverage for theft of the vehicle and accidental damage. However, liability to third parties, while an essential aspect of motor insurance, is often associated with third-party insurance policies or separate liability coverage rather than being categorized as a peril of comprehensive coverage.

By recognizing that fire and explosion fall within the protective framework of a comprehensive personal motor insurance policy, one can appreciate the broader scope of coverage provided and its importance in safeguarding against potentially devastating financial impacts resulting from such events.