There are three main options to consider, and they offer varying levels of protection at different prices.
Third party is the legal minimum level of cover. If you’re responsible for an accident, this will cover any damage you cause to other people and their property. It will not cover any injury to you or damage to your car.
Third party fire and theft offers the same protection as a third-party policy, but it also includes cover for the theft of your vehicle or damage by fire.
Comprehensive gives you all the benefits of a third-party fire and theft policy, but will also protect you as a driver and will pay out for damage to your car.