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

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.