Compare senior insurance

This is the most basic level of car insurance, and only covers you for any compensation you might have to pay for injuring someone or damaging their property in an accident.

Any damage to your car, injuries to you as a driver, theft of your car or breakdowns isn’t covered by third-party insurance so you'll have to pay these costs yourself.

In addition to providing third-party insurance, this type also covers you if your vehicle is stolen or damaged by fire. 

It doesn’t pay out for any damage to your own vehicle if you’re involved in an accident that isn’t the other driver’s fault, so you would have to cover those repair costs yourself.

This covers you, your car, passengers and property as well as damage to third parties. It also protects your car against vandalism and theft. 

Perhaps surprisingly, it’s frequently the cheapest option. Insurers view people willing to fully protect their car as less risky than anyone taking out a lesser form of cover.