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What specific type of car insurance is right for me?

There are a few different insurance options available on the market. These include:

What are the different types of cover?

There are three main types of cover for car insurance: Comprehensive, Third Party Fire & Theft and Third Party. Each type is designed to suit specific individuals, so make sure you fully understand each cover to find the right car insurance for you rather than simply heading for the cheapest option.

Comprehensive Cover

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 you or your own vehicle in the event of an accident.

What is covered?

  • Injuries to others, both in your car and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
  • Replacing your car if stolen.
  • Damages to your car as a result of attempted theft or fire.
  • Damages to your car.
  • Cover for your personal injuries.

Third Party Fire & Theft

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.

What is covered?
  • Injuries to others, both in your car and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
  • Replacing your car if stolen.
  • Damages to your car as a result of attempted theft or fire.
What isn’t covered?

  • Other damages to your car.
  • Cover for your personal injuries.
  • A pay out if your car is written off.

Third Party

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.

What is and isn’t covered?
  • Injuries to others, both in your car and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
What isn’t covered?

  • Damages to your car.
  • If your car is stolen.
  • If your car is destroyed by fire.

Looking for extra cover?

  • Breakdown cover. This means that if you break down at any time, you can call someone to come and help get you out of trouble. Your provider will send someone out to you to try to fix your car or tow the car to a garage.
  • Courtesy car/hire car cover. If your car is being repaired or has been written off after a claim, this extra cover means you’ll be provided with an extra vehicle.
  • Legal expenses cover. Insurance providers can cover the legal costs of you taking someone to court in order to reclaim any costs as a result of an accident. It can cover you for pursuing compensation for medical expenses, hire car costs, loss of personal items such as jewellery. It can also cover you if someone brings a claim against you.
  • Cover for driving abroad. Whilst your insurance policy will already cover you for third party insurance abroad, you may want to consider taking out extra coverage. It wouldn’t break the bank to add fully comprehensive cover onto your policy and it may end up saving you a fortune.
  • Windscreen cover. Repairing a windscreen can cost you a lot, so this additional extra may just be a saving grace. For a few extra pennies, your insurer can cover the costs of any chips and cracks in your windscreen.
  • Personal accident cover. This will cover you if you or your partner suffer a serious injury as a result of a car accident. Your insurer would pay to help with medical treatments, lost income and recovery costs.
  • Replacement key cover. If you lose your keys or they’ve been stolen then this cover the cost of replacing them.
  • Protected no claims. If you have protected no claims cover then if you were to make a claim then your no claims bonus would stay intact. To purchase this you normally need to have about 3 or 4 years of no claims.

Optional extras to add onto your car insurance policy.

Compare insurance rates by car make and model

Find car insurance rates for individual car makes and models. Your car’s make and model is the #1 factor that determines your insurance costs. Just click on the brand(s) you’re interested in below to get started.

10 ways to save money on your car insurance

1. Don’t auto-renew.
Don’t let your policy renew with the same insurer year on year without checking the market. It’s a good idea to compare quotes before your policy is up for renewal and see if your current insurer will match or better what you’ve found.
2. Pay a higher excess
An excess is the amount you contribute when you make a claim. If you voluntarily increase this amount, your insurance company perceives you as less likely to make a claim. This helps bring down the cost of your overall premium.
3. Try a black box
A black box could dramatically reduce your car insurance as long as you drive well. Drive poorly though and you might see your insurance increase.
4. Restrict certain drivers
Most policies will give you a cheaper premium if you restrict certain drivers from taking your wheels for a spin. Consider restricting drivers like under 25s, seniors or learners if you are able to do so.
5. Add a named driver
Adding an experienced driver to your policy can help to reduce your premiums. If the experienced driver is listed as the main driver then this could significantly reduce your costs. If the experienced driver is not the main driver then you should not list them as so.
6. Choose the right vehicle
If you haven’t purchased a car yet, compare insurance prices for a variety of car models. You might be surprised about how much the car you drive can affect how much car insurance costs you.
7. Build up a no claims bonus
Your driving record and claims history are used to determine how much of a risk you pose to the insurance company. Therefore if you have a good driving record and haven’t lodged many claims, insurers tend to offer a ‘no claims bonus’ meaning a discount on your premiums if you haven’t claimed over 4 or 5 years.
8. Increase your car’s security
Simple things such as parking in a garage instead of a main road could reduce your car insurance as your vehicle is less likely to be stolen. Ask your insurance provider what you can do to increase your car’s security and decrease your premiums.
9. Compare, compare, compare
It pays to do your research. Get multiple quotes from different insurers to compare prices. Don’t be fooled by policies that are ridiculously cheap – this can sometimes compromise your cover. Don’t be afraid to switch providers in order to get the best deal.
10. Take advantage of discounts
Look around to see if you can get a loyalty discount or a deal as a new customers.

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Frequently asked questions

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The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £200. To get this figure, aggregator Seopa selected quotes from popular providers and others, weighting according to market share, and compared the cheapest with the cheapest on its system. Your savings will depend on your own circumstances.
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