Comprehensive car insurance is the highest level of standard car insurance available for drivers in the UK. Unless you are driving a specialised vehicle or transporting items for a business, comprehensive car insurance is the most cover you are likely to need. Also known as ‘fully comp’, comprehensive car insurance covers repairs to your own vehicle as well as other vehicles you may damage. It also covers you in cases where you can’t prove who is to blame, such as somebody damaging your car and then driving off.
The other common types of car insurance are Third Party and Third Party Fire and Theft. Third Party is the most basic policy, covering only damage to other cars and people. Third Party Fire and Theft gives you slightly more cover by covering your own car if it is stolen or damaged by fire.
Comprehensive car insurance is the best choice for drivers who want complete peace of mind. Third party policies are cheaper, but you will have to pay for any repairs to your own vehicle if you have an accident. This will usually cancel out any savings, making a comprehensive policy the better value option in the long run. Without a comprehensive policy, you may even end up paying for an entirely new car if your vehicle is written off after an accident.
As you would expect, comprehensive car insurance costs more than a basic policy. Your insurer will have to pay out more if you are involved in an accident, and your premiums will reflect this. However, that doesn’t mean you can’t get a good deal. There are dozens of car insurance companies to choose from so it always pays to shop around. At Insuro, we make it our mission to find you the most competitive prices on comprehensive car insurance. Compare today and see how much you can save.