What type of car insurance should I get?

 

Third Party vs Fully Comprehensive

It’s often believed a third party policy is cheapest. This isn’t always true. It’s worth comparing all your car insurance quotes options including third party fire and theft to find the deal that’s right for you.

Third Party

Third party insurance is the minimum level of insurance you need by law. It might make sense to choose third party if your car isn’t very valuable and you can afford to replace it in the event of an accident. If this isn’t the case, you might want to consider getting a quote for a policy that covers more than the minimum, such as third party fire and theft or fully comprehensive.

Typically covers:

Damage to someone else’s car or property

Injury you may cause to others
Your passengers during an accident

Doesn’t cover:

You

Your car

Watch out:

In the event that  your car is stolen or damaged in an accident, you’ll have to pay to replace it.

Your policy won’t cover you if you’re injured in an accident.

"Third party is the minimum level of cover required by law"


Third Party Fire & Theft

 

This will cover everything a third party car insurance policy does, but with added protection against fire and theft. Useful if you’re looking for more than just the bare minimum of cover or if you live in an area that's considered high-risk for crime. It’s worth noting that damage caused by attempted theft may not be covered by some policies so make sure you think carefully about what you might need.

 

Typically covers*:

Damage to someone else’s car or property

Injury you may cause to others

Your passengers during an accident

Fire

Theft

 *After paying any agreed excess!

Doesn’t cover:

You

Your car (except for fire and theft)

 Watch out:

Bear in mind that this won't cover your car for accidental damage, only deliberate criminal damage.

"Damage caused by attempted theft might not be covered."


Fully Comprehensive

This is sometimes called Fully Comp, Comprehensive or Fully Comprehensive insurance and is just the ticket if you’re looking for the highest level of car insurance available. If you have a new or expensive car, often travel with expensive tech or belongings in your car or occasionally need to drive another car this could be the way to go.

Typically covers*:

Your car
Damage to someone else’s car or property
Injury you may cause to someone else
Your passengers during an accident
Fire
Theft
Chipping / scratching

*After paying any agreed excess!

Watch out:

Fully Comprehensive car insurance doesn’t necessarily mean everything. Extras such as courtesy cars, windscreen cover and personal belongings (like a sat nav) might not be covered by your policy. It may not always cover personal injury you cause to yourself, so remember to check with the provider when you get a quote.

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