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Fully comprehensive car insurance
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*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Is comprehensive the best level of car insurance cover?
Last updated: 13 October 2020
A fully comprehensive policy offers the highest level of protection, but it may not be the most suitable policy.
You may take out a fully comprehensive policy but find you are paying for extras which you don’t need.
Do I need comprehensive cover?
You might want to consider fully comprehensive cover if:
you have a brand-new car
you have a vintage or classic car worth more than £15,000
you need to be able to drive other people’s cars
Is comprehensive cover the most expensive cover?
Not necessarily. Fully comprehensive cover 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.
as these higher risk drivers made a disproportionately high number of claims on their policies, third party premiums were increased
comprehensive insurance can be the cheaper option, especially for drivers deemed to be a high risk
if you are a younger driver you may find comprehensive cover cheaper
Compare car insurance to see what level of cover you can afford.
How much does comprehensive cover cost?
The price of comprehensive insurance is based on many factors including the type of car you drive, your driving experience, no claims bonus, your history of claims and convictions and where you live and store the vehicle.
What does a comprehensive policy cover?
Even among comprehensive policies, no two insurance policies are equal. When taking out a fully comprehensive policy you will need to compare policies.
Comprehensive car insurance is the only type of policy that will pay out for the repair or replacement of your vehicle in the case of an accident that was your fault.
Fully comp cover includes:
damage to any third party: for example, if you crash into another driver's car the damage to their vehicle and any injuries you cause them 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
Find out about the different levels and types of car insurance.
Can you add extras?
Yes, but check the policy first because some comprehensive policies include some benefits as standard, so they will already be included in your premium. Some insurers will charge more for these extras which include:
Legal expenses
Personal belongings cover
Windscreen cover
Breakdown cover
Car stereo, speakers or sat-nav
Loss or theft of keys
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 you will need to compare car insurance policies.
How do I find the best comprehensive policy?
Some comprehensive policies offer more benefits than others, so take the cost of adding these into account when you choose your policy.
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 you will need to compare car insurance policies.
*51% of customers received a quote of £575.36 or less for Comprehensive Insurance between July and September 2020, when using our journey via Confused.com
Fully comprehensive car insurance FAQs
There are there levels of car insurance cover:
comprehensive
third party, fire and theft (TPFT)
third party only (TPO)
Find out more about third party and third party fire and theft cover
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.
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.
You may need to add extras if you
drive abroad
have more than one driver using the car regularly
live in a high-risk area
If you have a fully comprehensive policy you might be covered to drive other people's cars, but the cover will be third party only. This means you will not be covered if the car you are involved in an accident that was your fault.
To get fully comprehensive cover if you are driving someone else’s car you may need to take out temporary car insurance.
Find out more about car insurance and driving other cars.
A comprehensive policy might be cheaper if you are under 25, but you will need to compare prices of the different levels of cover. Find out about car insurance for younger drivers before starting your search.
Being older or more experienced is one way of reducing your premium - drivers under 25, women and men, pay far more than drivers 25 and over.
Other things you can do include:
be savvy about the car you have– a car in a low insurance group will attract the cheapest insurance premiums
pay a higher up - front excess– this reduces your monthly premium
drive less - as this makes you less of an insurance risk.
secure your car - having an alarm or immobiliser can reduce your car insurance
consider installing a black box
if you have several cars consider multi - car insurance.
You may be able to without an extra charge. A named driver is an additional person who is able to drive the car under the same policy
Paying annually in one go will usually work out cheaper because if you pay monthly you will be charged interest of up to 30%.
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