Even with the comprehensive cover, there are no guarantees that you will be compensated.
My vehicle was hit two years ago with extensive damage, I was made to pay for the excess charge (mind you I the other party was to blame) and later inquired why am being made to pay.
It was explained that when the insurer of the other party agrees to compensate my insurer, then the excess will be refunded.

Am still waiting to date...even after complaining to IRA, who have never acknowledged my letter.

Moral of the lesson, next time am involved in an accident, ambia jamaa aende kwa insurance yake na wewe make your repairs.