What should I know about comprehensive car insurance?
Third party only is the legal minimum level of insurance needed for driving on the road in the UK but as the name suggests, comprehensive cover provides a greater level of protection to keep you and your car safe out on the road.
Whilst third party only covers you against claims made against you for damage to third parties cars and property, it won't cover your car for repairs needed following an accident. This is where comprehensive comes in.
With comprehensive cover, you're insured against claims made by other drivers whose cars were damaged in an accident that was your fault, but also covered for damage to your car regardless of whether the accident was your fault or not e.g. if someone damages your car when you're not around and then drives off without leaving their details, you'd still be able to make a claim to cover the repairs.
It's important to remember that even with comprehensive insurance, when it comes to making a claim you'll need to contribute the level of voluntary and compulsory excess outlined in your policy. During the quote process we make it easy for you to see how increasing or decreasing the voluntary excess can affect your quote price, just click on 'Get a quote' to get started.
Is comprehensive insurance more expensive?
Due to the additional level of cover comprehensive insurance offers, you may assume that it's more expensive than lower cover level types, but this isn't always the case. When you do come to compare insurance prices, be sure to check the price difference between comprehensive, third party only and third party fire & theft.
If you own a car that's expensive to repair or one that you've bought on credit, it might make sense to insure it with a comprehensive policy as finding the money to pay for repairs yourself could be problematic.
Find out more about comprehensive insurance in our guide - Fully comprehensive car insurance