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Everything you need to know about comprehensive car insurance

Comprehensive car insurance: the lowdown

You need car insurance to get behind the wheel of a car in the UK – that’s the law. But with different levels of cover available, it can be tricky deciding which is most suitable for you. Comprehensive car insurance offers the most complete cover and isn’t always the most expensive. This is our guide to how it works.

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Frequently asked questions

What exactly is comprehensive car insurance?

There are three types of cover available to UK drivers:

  • Comprehensive – or fully comprehensive, as it’s sometimes known – offers the highest level of protection. It includes all the cover you’d get with a third-party fire and theft policy, but will also protect you as a driver and can pay out for damage you cause to your own car.
  • Third party covers you for damage you cause to other people and their cars.
  • Third-party fire and theft is like third party, but also covers you if your vehicle is stolen or damaged in a fire.

What does comprehensive car insurance cover?

That depends on your policy. Some offer extras as standard; others charge you for them. The most popular extras include: 

If you’re comparing quotes for comprehensive cover, always check the policy wording.

Are comprehensive policies expensive?

You might assume comprehensive car insurance costs more than third party or third party fire and theft. But that’s not always the case. Sometimes comprehensive insurance is the cheapest option.  

Our data shows that 50% of people who used Compare the Market were quoted £666.00*** for a comprehensive annual policy. But for third-party car insurance, 50% were quoted £1,657.00***.  

It’s hard to say exactly how much you’ll pay as so much depends on factors such as how old you are and where you live. Your premium price will also depend on your car’s make and model, what insurance group your car’s in, how much it’s worth and how many miles a year you drive.  

But always compare the price of comprehensive car cover with third party and thirdparty fire and theft, because you could well find it costs less.  

***50% of people could achieve a quote of £666.00 per year for their fully comprehensive car insurance, and £1,657.00 per year for a third party car policy. Based on Compare the Market data from 1st Oct 2018 to 31st Dec 2018

Why compare comprehensive car insurance with Compare the Market?

We independently compare comprehensive car insurance deals from more than 100 of the UK’s most trusted insurance providers.  

We’ll show you policies based on price, cover level, add-ons or payment terms, helping you compare policies based on your needs.