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What does comprehensive car insurance cover?
A comprehensive policy goes beyond the basics of third party or third party, fire and theft cover. It usually includes:
Cover for damage to your own car in an accident
Protection against fire and theft
Damage to other people’s vehicles or property
Personal injury cover (depending on provider)
Windscreen repair or replacement
Optional extras like breakdown cover, courtesy cars, and legal protection
Not every policy includes the same features, so it’s important to compare carefully to make sure you’re getting the cover you need.
What to consider before choosing comprehensive insurance
Comprehensive cover is often only slightly more expensive than third party policies, but the extra protection can save you significantly if you’re involved in an accident. It’s worth checking what’s included in each policy, as not all insurers provide the same level of benefits.
If you use your car for commuting, long journeys, or simply want peace of mind that you’re covered for most situations, comprehensive insurance is usually the best option.
How does comprehensive insurance compare to other cover types?
Understanding the differences between insurance types can help you make the right choice.
Third party only – The minimum legal requirement, covering damage to others but not your own vehicle.
Third party, fire and theft – Adds protection for your own car if it’s stolen or damaged by fire.
Comprehensive – Covers everything above, plus damage to your own car in an accident, regardless of who was at fault.
While third party options may appear cheaper, they can leave you exposed to high costs if your car is damaged in an accident. For many drivers, comprehensive cover offers the most balanced mix of protection and value.
Factors that affect the cost of comprehensive car insurance
Age and experience
Younger or less experienced drivers usually face higher premiums.
Car make and model
Expensive or high-performance cars generally cost more to insure.
Driving history
A clean licence and no claims history help reduce costs.
Location
Areas with higher accident or theft rates can raise premiums.
Annual mileage
Lower mileage often results in cheaper premiums.
Level of cover
Adding extras like breakdown or legal cover may increase your policy cost.
Drive with confidence, find comprehensive car insurance today
Comprehensive car insurance gives you the highest level of protection available, covering both your own car and damage to others if you’re involved in an accident. It can also include extras such as windscreen cover, theft protection, and use of a courtesy car while yours is being repaired.
At MoneySpider, we make it simple to compare comprehensive policies from trusted insurers, so you can drive with peace of mind knowing you’re fully protected.
Advice for getting the right cover
When shopping around, don’t just look at the monthly cost. Compare what’s included, such as courtesy cars, windscreen repair, or personal belongings cover, to find real value. Increasing your voluntary excess, adding security features, or building up a no-claims discount are all ways to help reduce premiums.
It’s also a good idea to review your cover at each renewal to make sure it still suits your needs, as your driving habits and circumstances can change over time.
FAQ
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