Third Party
This is the minimum insurance cover you can have that allows
you to drive on the road legally. Third Party Insurance will
only cover damage that you do to someone elses property or persons.
Even if your car catches fire or is stolen you will receive
nothing from the insurance company.
Third Party
Fire and Theft
This is slightly better cover than Third Party. You are covered
for any damage that you do to others or their property but if
your car is stolen or catches fire you will also receive payment.
This type of cover is often used by young people with little
or no no claim discount to keep costs down. Generally it is
cheaper than fully comprehensive cover but it is always worth
checking as often premiums can be very similar.
Fully Comprehensive Insurance
This covers everything that the above policies cover but also
covers you for any damage that you do to your won vehicle. If
you are covering a newish car then this is the only cover you
should really consider. See our guide
to reducing the premiums for car insurance and shop around
for car insurance using the menu on the right.
