Fully comprehensive car insurance

  • Buy fully comprehensive car insurance for up to £535/year[1]
  • Enjoy a whole year of rewards*
  • Compare prices from 137 provider products to find the right cover for you[2]
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[1] 51% of our customers were quoted less than £534.62 for their fully comprehensive car insurance in June, 2022.
[2] Correct as of June, 2022.

What is comprehensive car insurance? 

A comprehensive car insurance policy offers the highest level of protection for your car. It covers third-party damage to other cars, fire damage or theft of your own car, and you can claim for an accident even if you were at fault. You’ll normally be covered for damage to your vehicle even if you don’t know – or can’t prove – who caused it.

Why do I need it?

Car insurance is a legal requirement for UK drivers, but the level of cover is up to you to choose. Comprehensive car insurance offers the greatest level of protection and peace of mind. but there are other options:

Third-party car insurance

Offers protection if you damage another person’s car or injure someone while driving. It doesn’t cover your own vehicle if it's damaged in an accident.

Learn more

Third-party, fire and theft

This level of cover offers the same cover as third party, but may also cover you if your vehicle is stolen or damaged in a fire.

Learn more

Telematics

Popular amongst young drivers, black-box insurance is based on data about your driving from a device installed in your car or smart phone app.

Learn more

What does it cost?

You might assume comprehensive car insurance costs more than third party or third party, fire and theft, but that’s not always true. Sometimes fully-comp is the cheapest option. Here’s the average cost for our customers:

£535
Fully comprehensive cover[3]

£804
Third-party fire and theft [4]

£1,202
Third-party only [5]

51% of our customers were quoted less than [3] £534.62 for comprehensive car insurance, [4] £803.30 for third-party fire and theft car insurance, [5] £1,201.75 for their third party car insurance. Based on Compare the Market data in June, 2022.

What do I need to get a quote?

To start comparing comprehensive car insurance quotes, you’ll need to tell us:

1.
Your car and how you use it

We need to know the registration number, or the make, model and age. We’ll also ask for your annual mileage and where you keep your car at night.

Why does annual mileage matter?

Does where I keep my car impact the price?

2.
Personal details

We’ll need some details about you, including name, age, where you live and what job you do. We’ll also need the details of any additional drivers you want to include on the policy.

How does my address affect my car insurance?

How do job titles affect car insurance policies?

3.
Your claims history

We will ask about any no claims discount (NCD) and any insurance claims or convictions. Providing false information could invalidate your car insurance policy.

What is a no claims discount?

What else could invalidate a car insurance policy?

What’s covered?

The exact level of cover offered by comprehensive car insurance depends on the policy and the provider you choose. But here’s what comprehensive policies typically cover and some common exclusions:

Typically covered:

  • Third-party damage to other cars
  • Fire damage to your own car
  • Theft of your car
  • The full cost of repairing damage to your car
  • Injury to other people
  • Damage caused by flooding

Typically not covered:

  • Theft caused by carelessness
  • Damage or injuries caused when driving under the influence of alcohol or drugs
  • Driving with an invalid driving licence
  • General wear and tear
  • Driving someone else’s car. This can vary between providers and policies.

Upgrades and additional cover

Fully-comp policies can vary a lot in terms of the additional cover they include. Some policies offer optional extras as standard, while others charge you to add them on. Some of the most common include:

Author image Kate Hughes

What our expert says...

“Fully comprehensive car insurance gives you the highest level of protection from an accident, regardless of whose fault it was. It can cover repairs, personal injury claims and damage to property - usually for you, your vehicle and any other vehicles involved. You should also be covered if your car is stolen or vandalised.

But don’t assume that full belt-and-braces comprehensive car insurance will cost you more than the minimum third-party cover. That’s not always true, particularly if you’re a younger driver.”

- Kate Hughes, Insurance expert

What do we have to offer?

From excellent customer reviews and huge market coverage, to an impartial and rewarding service, we represent the best choice for car insurance price comparison.

We're rated 4.8/5 on Trustpilot [6]

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Compare cheap car insurance quotes from 66 trusted car insurance providers[7], including:

[6] As of July 2022, Compare The Market had an average rating of 4.8 out of 5 from 19,377 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label ‘Excellent’. 

[7] Correct as of June, 2022.

What do our customers say?

Based on 102,543 reviews, our customers rated us 4.6 out of 5.

Saved £160 an stayed with same Provider
Britpart • 09/09/2021
I got a great price for my car insurance, I would definitely recommend to friend
JTHOM • 09/09/2021
So easy and fast. Got a great deal half of what my current insurers quoted.
Jak60 • 09/09/2021
Love the way your details are kept which make it easy to review and choose each.
Carol G • 02/11/2021

Frequently asked questions

Can I drive any car if I have fully comprehensive cover?

No, it’s a common misconception that comprehensive car insurance covers you for driving other people’s cars

It used to be the case that many fully comprehensive policies gave you third party cover when driving other people’s cars, but this is rare these days. It’s important to check your policy wording carefully so you’re clear what’s covered, or speak to your insurer if you’re unsure.

If you want to drive someone else’s car, or you want someone else to drive your car and you want to make sure you’re covered, you should look at adding a named driver. Or if you only need to drive someone else’s car for a short time, you could consider temporary car insurance.

What impacts the price of a comprehensive policy?

The premiums you pay for your car insurance are based on a number of factors to do with how likely the insurance provider thinks they will be to have to pay out on a claim from you.

The level of risk for insurance providers is determined by looking at statistics and how factors such as age and driving history are reflected in those statistics.

How can I reduce the cost of comprehensive car insurance?

There are a few ways you can try to reduce the price of your cover, including;

  • Cut down the number of miles you drive
  • Renewing promptly – you’ll potentially get a lower price if you get quotes around 3-4 weeks before your renewal date
  • Adding another responsible driver to the policy - it needs to be somebody who might reasonably drive your car. Don’t add someone as the main driver if they are not
  • Considering a telematics policy

One of the best ways to find cheaper car insurance is to compare different quotes so you can find the right policy for you.

What's the difference between comprehensive and fully comprehensive car insurance?

There isn’t any difference, they’re just slightly different names for the same thing. It’s the highest level of cover, protecting you, your vehicle and third parties.

Page last reviewed on 31/08/2022
by Alex Hasty