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Comparing different types of car insurance

OK, you want car insurance, but what kind will you choose? can help you compare car insurance for all three of the main kinds, ‘fully comprehensive’, ‘third party, fire and theft’ and ‘third party only’.


People choose fully comprehensive car insurance, because it means you’re covered in most of the situations where you need insurance.


With this sort of policy you’re covered for damage to other people’s property, but also damage to your own car. That could be because you’ve been unlucky enough to have an accident on the road, your car’s been stolen or broken into, or if you’ve had a really, really bad day and your car has somehow caught fire.  


Comprehensive car insurance


Comprehensive car insurance is usually thought of as being the most expensive type of car insurance. But actually you could be getting the best value if you choose fully comprehensive. This kind of car insurance covers your costs if you injure another person or damage someone’s property; it also pays for repairs to your car in many situations, even if the accident was your own fault.


The good thing about comprehensive car insurance is that, aside from any excess, you won’t need to fork out extra cash to cover the damage to your own car in an accident. With third party, fire and theft you’re generally only able to claim for the damage to someone else’s car or property, or if your car is stolen or gets set on fire.


We know it’s not the most fun thing to do, but you need to make sure you properly understand what your insurance policy covers. When you’re on our quote page, take a look at the 'more details' section for each insurance provider. It will give you a lot more information so that you really know what you’re about to buy.


Each policy will have different features and benefits which we will help you compare, like windscreen cover, a courtesy car and breakdown cover. If you want all these things, make sure you’re checking that they’re there and what the price difference is.


Remember that just choosing the cheapest car insurance price without looking at the details could mean that you don’t buy the insurance policy that covers you for what you actually need. You might get more options and better cover for a couple of extra pounds.


Many people choose ‘third party fire and theft cover’ or ‘third party only’ because they think it will be cheaper than comprehensive.  But because of the strange and wonderful science of the insurance world, that’s not always the case.


Comparing quotes

Luckily it’s easy to check on – you could find that the difference in cost between comprehensive and the third party insurance types can be less than a cup of tea.


To compare quotes, just fill in your details on our quote page and we will then ask you what kind of car insurance quotes you’re looking for. The three choices are comprehensive, third party fire and theft and third party only.


When you see the page comparing all those car insurance quotes, it’s easy to compare other insurance elements to see what they would cost you. Just change the options in the box at the top of the page and away you go.

Saving a little more

Once you’ve got an idea of prices you might be looking to save a bit more cash. There are a few ways you can do this.


One thing you could try is changing the excess on your policy. It’s a bit of a balancing act – you can pay less for your policy now by promising to pay more if you actually make a claim. But remember that if you have an accident or your car is damaged, you might not take too kindly to that high excess fee you chose.


Another option is to make your car more secure. Fitting an approved alarm or an immobiliser could stop potential criminals making off with your motor, and so car insurance companies might give you a cheaper car insurance price.


Where you park can make a difference too. Insurance might offer you a better price for locking your car in a garage, than if you kept your car out on the road at night.

Why use


The best news of all, though, is that by using to choose your car insurance, you’re pretty likely to save money. Some nice people at Consumer Intelligence found that 29.31% of our car insurance customers saved an average of £511.39 with**.


So now you know about fully comprehensive car insurance, and a few other things as well, we’re sure. Click our quote button to start looking at the deals we have for you. Don’t forget, when it comes to insurance providers, we don’t choose favourites. All our results are ranked by price, with the cheap car insurance quotes at the top, and we are completely impartial.