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There are three main types of cover for car insurance: third party, third party fire and theft and comprehensive. Each type of cover suits different requirements, so make sure to consider all your needs before choosing which option to go with.
All drivers are legally required to at least be covered with Third Party insurance. It offers the most basic form of cover, offering protection if you damage someone else’s car or cause injury to someone in an accident. It also covers you if you cause injury to passengers of your car. This is often a popular choice for first-time drivers, cheaper cars, and those on a budget.
This type of policy is offers slightly more cover than the legal requirement, but it is still limited in what it protects you from. It covers you in the same way that third party car insurance does, but it also includes cover for fire and theft. This is often a popular choice for those who need a bit more cover without the price tag.
This is the most complete form of car insurance you can get, so if you’re looking for top cover, this is the option for you. Comprehensive car insurance covers you for third party, fire and theft, as well as both yourself and your vehicle in the event of an accident.
This might surprise you, but in some cases comprehensive cover can work out cheaper than third party, fire and theft. Even if you don’t think you need fully comprehensive cover, it’s worth getting a quote so that you can compare the different costs.
Great value breakdown cover tailored to your needs
Any cover offered to you by your insurance company is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
You can compare car insurance quotes from hundreds of providers by clicking on the green button below. You’ll need to complete a short online form by providing basic personal details and will then be shown a range of competitive insurance quotes. You should always keep the following in mind when comparing car insurance:
We asked policy holders to rate their satisfaction with their insurance company, and whether they’d recommend it to a friend. We’ve shown both for each brand in the table below. Our independent survey of 750 insurance customers was carried out in December 2019.
|Overall satisfaction||Customers who’d recommend||Issuer||Review|
|★★★★★||91%||The largest general insurer in the UK and our top prize winner, Aviva has three levels of comprehensive cover to choose from, as well as third party and third party fire and theft cover. This might sound confusing, but customers in our survey praised the easy application process and good service.||View deals|
|★★★★★||81%||Saga offers specialist tailored cover for drivers over the age of 50, with a minimum age of 45 (you must have at least one named driver over the age of 50 on the policy to qualify). Customers reported friendly service and a good level of cover.||View deals|
|★★★★★||75%||While less of Direct Line’s customers said they would recommend the service, the strength of its policies pushed its overall score up. Customers surveyed called the products on offer competitive and the service helpful.||View deals|
|★★★★★||87%||As Marmalade only offers cover to drivers up to the age of 30, it didn’t quite make our top 10. However, the service did very well in our survey, with customers calling it easy to use and praising the competitive prices.||View deals|
|★★★★★||84%||Sheilas’ Wheels started life as a female-only car insurance provider, but now offers cover to both men and women, with a focus on benefits to appeal to women and parents The service was said to be helpful and efficient by customers.||View deals|
|★★★★★||83%||Most people would be aware of Churchill, largely to its nodding dog. Love or hate those ads, customers called the service provided by Churchill reliable and helpful, and some were impressed by the claim handling process.||View deals|
|★★★★★||82%||As well as standard car insurance, LV= also offers cover for electric and classic cars. Its comprehensive cover includes windshield damage and replacement locks and was considered good value by customers in our survey.||View deals|
|★★★★★||77%||Hastings Direct’s two main cover options are Direct and Premier. The company also offers Essential comprehensive cover, as well as third party and third party fire and theft, but there’s not a lot of information available on those.||View deals|
|★★★★★||76%||As one of the most well-known insurers in the UK, Admiral offers a range of cover options, including combined a home and car policy, multi-car cover and temporary car insurance. Customers praised the good value cover and helpful staff.||View deals|
|★★★★★||76%||The company formerly known as Age UK, Age Co is another over-50s specialist. Like Saga, it also offers cover to younger drivers, but its policies are tailored to those with more experience – in life and on the road.||View deals|
|★★★★★||77%||Swinton offers three levels of comprehensive cover, as well as third party fire and theft. All comprehensive options offer decent benefits and the company also caters for young drivers, convicted drivers and those looking for short term cover.||View deals|
|★★★★★||73%||The largest supermarket chain in UK, Tesco also provides solid car insurance policies. You can choose the Black Box policy for young drivers (17-35), or the standard cover for drivers over 21, which customers reported to be good value.||View deals|
|★★★★★||72%||Axa’s comprehensive cover comes with a lifetime guarantee on repairs, a courtesy car and protection from uninsured drivers. The company’s claim handling service was said to be quick and efficient by customers in our survey.||View deals|
|★★★★★||71%||Known mostly as a posh department store, John Lewis also provides a range of financial products. Its comprehensive policy comes with a load of benefits, including misfuelling and vehicle ID theft cover as standard.||View deals|
|★★★★★||69%||A staple of the British roads, The AA offers third party fire and theft cover and a benefit-laden comprehensive cover. AA members get extra perks and customers called the company’s car insurance cover reasonably priced with good service.||View deals|
|★★★★★||65%||Diamond is another insurer targeting women drivers. Like Sheilas’ Wheels, it covers men as well, but has benefits such as handbag and child seat cover, which it believes will appeal to women (who are considered lower risk drivers).||View deals|
|★★★★★||64%||More Than’s comprehensive cover includes windscreen cover and replacement locks. The company also offers a third party, fire and theft policy, as well as cover for young drivers and a decent multi-car discount.||View deals|
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