Car insurance offers financial protection if your car is damaged, stolen or involved in an accident. You pay an upfront premium and, in exchange, your insurer will cover the majority of costs to put unexpected problems right.<\/p>
In the UK, you can\u2019t legally drive without having at least third-party<\/a> car insurance. This pays out if you damage someone else\u2019s car or injure someone in an accident that was your fault, but it won\u2019t cover damage to or theft of your own car. There are 2 higher levels of cover: third-party, fire and theft<\/a> and comprehensive<\/a>. We\u2019ve set out in detail what you get and don\u2019t get with each type of cover below.<\/p> Contrary to what you might expect, comprehensive cover can be the cheapest of the 3. That\u2019s because, historically, higher-risk drivers have tended to opt for third-party cover to try and keep costs down. Ironically, this has pushed up the cost of this type of cover. So, even if you\u2019re looking to keep costs to a minimum, it\u2019s worth comparing quotes for all 3 types. You might be pleasantly surprised.<\/p>\n