Car Insurance Policy Types

Before you compare quotes it can be useful to know which type of car insurance policy will best suit your needs. There are three levels of cover to choose from.

Third Party Only

Third party only is the cheapest level of car insurance you can buy. All motorists are required by law to take out third party insurance.

The main benefit of this type of insurance is its affordability, but while the cost can be low it's worth remembering that the policy only covers liability to others. It offers no protection for you or your vehicle.

Read more about third party only car insurance.

Third Party, Fire & Theft

Third party, fire and theft offers all the protection of third party only and comes with the added advantage of covering your own vehicle if it gets stolen or is the victim of damage caused by fire or theft.

TPFT can be a good option for cheaper cars but the policy still won't provide cover for you if you're involved in a driving accident.

Read more about third party, fire and theft insurance.

Fully Comprehensive

With a fully comprehensive policy you receive all the cover provided by the options above plus cover for yourself and your vehicle in the event of an accident.

No fully comp policy will cover every eventuality but it is the most complete form of insurance available. Optional extras such as breakdown cover or a courtesy car are available and costs will vary between insurers.

Read more about fully comprehensive car insurance.