The Three Main Car Insurance Options

Third Party: The most basic UK car insurance option. Third party insurance is the minimum coverage that allows you to drive legally in the UK. Any damage you do to a ‘third party’ i.e. someone or something that is NOT YOU or YOUR CAR is covered. You have no cover for personal injury or damage to your vehicle. So if you damage your car, or if your car is stolen, and you only have Third party insurance you will have to pay for the repairs / cost of replacing the car. Third Party Fire and Theft: As well as the most basic level of insurance (above) Third Party Fire and Theft insures your car against fire and theft. This option is the most popular car insurance for new and young drivers. Fully Comprehensive Car Insurance: Comprehensive insurance gives you full risk cover for your car. This means that you can claim for any damage caused to your car by any means, apart from exclusions found in the small print. In addition to allowing you to claim for the damage caused to your car in an accident, with comprehensive car insurance cover, you can also claim for acts of vandalism, theft, or any other accidental damage to your car which does not involve a crash. Unless loaded, as new or young drivers, you will not be able to afford fully comprehensive car insurance.