Yes, a fully comprehensive policy will give you the most complete protection.

It can also be cheaper than other levels, like third party, fire and theft because some insurers believe high risk drivers choose lower levels to try and save money.

What does a comprehensive policy cover?

You will be covered against:

  • Damage to any third party: For example if you crash into another driver's car the damage to their vehicle will be covered.

  • Damage to your car: The cost of repairs to your car will be covered if you are involved in an accident that was your fault.

  • Loss or damage caused by fire and theft: You can claim if your car is stolen or damaged by an accidental fire or arson.

  • Accidental damage: You will be covered if your car is accidentally damaged, for example if a tree falls on your vehicle during a storm.

Here is everything you need to know about the different levels of car insurance.

Can you add extras?

Yes, but check the policy first because some comprehensive policies include some benefits as standard, for example:

  • Legal cover

  • Personal belongings cover

  • Windscreen cover

  • Breakdown cover

If you want any of these extras find a policy that offers them as standard, or think about whether they are worth adding at an extra cost.

Here are more details on all the car insurance extras that could be worth having.

How to find the best comprehensive policy

Use the table above to get as many quotes as you can to compare policies and prices to find the best one.

Some comprehensive policies offer more benefits than others, so take the cost of adding these into account when you choose your policy.

For more tips on getting the cheapest deal try these 10 easy ways to cut the cost of your car insurance.

Comprehensive car insurance FAQs

Q

What levels of car insurance cover can I get?

A

There are there levels of car insurance cover; comprehensive, third party, fire and theft and third party only. Here is what each level covers you against

Q

Is comprehensive cover the most expensive?

A

Not always, it can be cheaper than lower levels like third party, fire and theft. Always get quotes for both if you want the cheapest cover.

Q

Do I need added extras?

A

Check what comes as standard with your policy before you add extras like breakdown cover. Here is how to work out which extras you might need.

Q

Am I insured to drive other cars with a comprehensive policy?

A

If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.

Q

How can I get cheaper car insurance?

A

There are several things you can do to get cheaper cover. Try these 10 easy ways to cut your car insurance costs.

Q

Is it cheaper to pay annually or monthly?

A

Paying annually in one go will usually work out cheaper because if you pay monthly you will be charged interest of up to 30%.

About our car insurance comparison

Q

Who do we include in this comparison?

A

We include every insurer that offers comprehensive car insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.