What Types of Car Insurance Policies Are there?

There are 3 different types of car insurance that a car owner can choose from; they are 'Fully Comprehensive', 'Third Party, Fire and Theft' and 'Third party'. For a detailed definition on each car insurance types see below:

Fully Comprehensive

Fully comprehensive car insurance is the most expensive type of cover, but this is because it provides the best protection. It offers coverage if your car is stolen, or involved in a fire or has been damaged in a road accident. It also covers any 3rd party damage as well and many other benefits and features such as breakdown cover courtesy car while your car is being fixed. You can drive another person’s car with their permission and still be protected.

Third Party, Fire and Theft

Third Party coverage is minimal and a much cheaper option for car owners than fully comprehensive policies. It is a good option for motorists that own a car that is low in value. It can be a good option for young drivers or policyholders that have a low no claims bonus or that have little or no driving experience. It covers your vehicle if it stolen or been involved in a fire. It will only cover the cost of damage sustained to other people’s property.

Third Party

3rd party car insurance is the cheapest and most basic type of cover you can buy. It provides coverage against damage that you might have caused to other vehicles or property during a road accident.

Each car insurance policy offers different features and discounts, for more details see our car insurance comparison.

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