Fully comprehensive car insurance

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Your guide to fully comprehensive car insurance

Car insurance is one of those dull facts of life. If you drive, you need it – it’s the law. But with all the different types available – fully comprehensive, third party, student, learner, over 50s (plus other questions such as whether to add breakdown cover to your policy) – it can be a nightmare trying to decide which is best for you. Here we take a look at comprehensive insurance and its pros and cons, whether you drive a car, van or motorbike . And there’s no jargon. We promise. 

Frequently thought questions

Passing your driving test doesn’t suddenly mean you’re the guru of car insurance and more often than not, you’ll have lots of questions floating around your head that you just don’t know the answers to. So, here are some frequently thought questions about fully comprehensive car insurance (we’ll make a guru of you yet).

What is fully comprehensive car insurance?

As you’d expect, comprehensive cover offers you – well, the most comprehensive cover you can get, the alternatives are third party only (this is the minimum you can legally have) or third party, fire and theft.

Comprehensive policies cover you for all the third-party stuff as well as damage to your own car (even if you caused the damage yourself). But it’s not just damage to vehicles, fully comp will also insure you for injuries to yourself, your passengers and any other drivers.

You can also add on extra bits to your policy such as breakdown cover, legal expenses, windscreen repair or replacement as well as access to a courtesy car if yours is in for repair.

Are fully comprehensive policies expensive?

In the real world, if you want something fully loaded, it normally works out as more expensive – right? Well, in the weird and wonderful world of insurance, more doesn’t always mean more and a fully comprehensive policy isn’t always the most expensive.

In some cases, the difference between a third party and comprehensive policy was just a couple of quid – so spend that on your fancy coffee and drink it. We compared the prices quoted for car insurance policies earlier this year and found that comprehensive cover was actually, sometimes cheaper with less than half the price of third party only insurance. At first glance, that makes no sense but those clever insurance providers have actually worked out that drivers requesting third party only cover – are usually the ones at greater risk of making a claim and so prices reflect this.

What affects the price of my insurance?

Your premium is as unique as you, and your insurance provider has to assess how much of a risk you are – so they’ll take into consideration things like your job, where you live, which car you drive and also, your age.

Age has more of an impact than you might realise – young drivers only make up one in eight people on the road but they account for almost a quarter of all accidents. As a result, insurance for 17-24 year olds is the most expensive with the average policy working out at £1,257. But the average across all age groups drops to £577.22.**

How can I reduce the cost of my car insurance?

Insurance providers might set your premium, but there are several things you could do to drive down the cost of your insurance, such as:

Why should I compare with comparethemarket.com?

We love comparing stuff – it’s in our name and it’s what we do best, and some very brainy people at Consumer Intelligence have worked out that more than a quarter (29.31%) of people saved an average of £511.39^^ when they compared the market with us. And with savings like that, why go anywhere else – start your quote right here, today.

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