What does comprehensive insurance cover?
Some policies offer you a range of policy add-ons as standard, too. Others might charge you extra to add them to your policy.
Typical add-ons include:
What isn’t covered by comprehensive insurance?
To help lower your risk of theft, always lock your car, close windows and keep valuables out of sight. It's also worth considering additional security like an immobiliser, car tracker or a steering wheel lock. As well as making your car more secure and less appealing to thieves, they might also lower the cost of your insurance.
The difference is in what they cover.
Even though it offers a higher level of cover, you might find that comprehensive insurance actually works out cheaper than third-party policies.
This because, traditionally, a lot of high-risk drivers tended to go for third-party cover as a way of lowering their insurance costs. Insurers have adjusted their pricing to reflect this.
| Fully comprehensive | Third Party Fire and Theft | Third Party Only |
|---|---|---|
|
£924*
|
£1,4381
|
£1,8931
|
If a lower level of cover gives you what you need, it's still worth comparing the cost of all levels, just in case there's a difference based on your own circumstances.
There are ways you can make savings on comprehensive insurance:
*Confused.com Q3 2023 price index data
1Based on Confused.com data July - September 2023
**Single annual policy. Shell Go+ account required. Only one £10 fuel reward can be used per transaction and each can only be used on fuel purchases of £10 or over. HelloFresh 18+ subscription service. Geographical exclusions apply. T&Cs apply
The average price for a fully comprehensive policy is £924*. Your insurer takes several factors into account when calculating the cost of your car insurance, so exactly what you pay is unique to you.
This includes:
For a general idea of how much a policy might cost you, here's the average price customers pay according to their age:
| Age | Average car insurance premium* |
|---|---|
|
18
|
£2,995
|
|
21
|
£2,119
|
|
25
|
£1,566
|
|
35
|
£1,103
|
|
45
|
£898
|
|
55
|
£660
|
*Confused.com Q3 2023 price index data
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Page last reviewed: 13 October 2023
Reviewed by: Louise Thomas
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