What are the different types of car insurance covers?
Third party, third party fire and theft, and comprehensive are the three standard options generally available across the industry. But whatever you choose, make sure you have the right amount of cover for your needs.
Choosing the right level of cover can help ensure you're protected if you need to make a claim.
Third party
Third party is the minimum amount of car insurance required by law. It covers your liability for any injury or damage caused to other people or their property, but not the cost of repairs to your vehicle. Although prices vary depending on the insurer, these policies aren’t necessarily cheaper.
Third party, fire and theft
You’re protected for third party costs and repairs to, or replacement of, your vehicle because of fire, theft or attempted theft.
Comprehensive
Comprehensive car insurance is the highest level of protection available and covers third party costs and damage to your vehicle.
Third party versus comprehensive
Drive a new or expensive car? Then a third party policy may not be for you. If you’re involved in a collision that’s your fault, you could be looking at a sizeable bill if your own vehicle’s damaged. And you won’t be covered if your car is stolen.
On the flip side, if you can pay for – or carry out – any repairs yourself, or buy a new vehicle, third party cover might be an option worth considering.
However, don’t assume comprehensive is more expensive than third party policies as prices will depend on your car and your provider. It’s worth checking all your options before deciding.
Not all insurers offer the same cover
Even if you’re comparing the same level of cover from different insurers, check what each one provides. Not all offer the same standard elements, for instance uninsured driver protection, replacement locks and child seat cover.
Also, don’t assume the most expensive policy is the best or the cheapest is the worst. You’ll find a range of different prices for insurance policies, so check what’s covered as standard and which optional extras you might want to add.
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