This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Which Level of Car Insurance?

Car insurance is a legal requirement and without it you could end up in prison or faced with a hefty fine and a driving ban. People who drive without car insurance are not only putting themselves at risk but others too.

When it comes to buying car insurance there are several different components to take into account. Whether it is your first car, where the car will be parked, how much you can afford to spend; these are all factors that need to be considered when buying car insurance. There are three main types of car insurance and which one is right for you will depend on your situation.

The three main levels of car insurance cover are:


Third Party


Third party car insurance cover is the absolute minimum level that is legally required. The cheapest of all three options, third party car insurance policies are often taken out by first time drivers that are teenagers without much money to spend on insurance and whose cars are not worth much money. Third party car insurance covers for:

  • Injuries to other people including passengers in your vehicle.
  • Damage to other peoples' property/vehicle

Third party car insurance does not cover for:

  • Damage to your property/vehicle caused by you.
  • Theft of your vehicle.

Third party only car insurance is usually recommended to people whose vehicles are worth less than £500 and is ideal if money is tight and you are not bothered about damage to your vehicle.


Third Party Fire and Theft


This is the next level of car insurance and pretty self explanatory. Third party fire and theft car insurance is advised for drivers whose cars are not worth too much but would rather pay the insurance excess than the cost of the car if they had to replace it. Third Party Fire and Theft car insurance covers for:

  • Injuries to other people including your passengers.
  • Damage to other peoples property/vehicle.
  • Theft of your vehicle.
  • Damage to your vehicle caused by fire.

Third Party Fire and Theft car insurance does not cover for:

  • Damage to your vehicle caused by you.


Fully Comprehensive


This is the most inclusive level of cover and is recommended for drivers whose cars are worth in excess of £3,000. Unlike third party cover, fully comprehensive covers for most issues that occur as a result of an accident or damage to your vehicle. Fully comprehensive car insurance does cost the most but the excess is often less than on third party car insurance and in the event of damage or an accident you will get more financial assistance. Fully Comprehensive car insurance covers for:

  • Injuries to other people including your passengers
  • Damage to other peoples property/vehicle
  • Theft of your vehicle
  • Damage caused by fire to your vehicle
  • Accidental damage to your vehicle
  • Personal accident benefits
  • Medical expenses
  • Loss of or damage to personal items in vehicle

It is important to remember that not all car insurance policies are the same - all will cover the basics, but different companies will vary what they offer. For example, some may offer car breakdown cover and a courtesy car as standard on their comprehensive policy, while others may charge extra; because of these inconsistencies, it pays to know which type of car insurance you need for your purpose and to shop around for the best deal.


Once you have decided which level of car insurance you want there are a few other things to take into account. Most car insurance providers will charge extra for legal expense cover, depending on your level of insurance, you must decide if this is necessary or not - legal costs can soon add up in the event of an accident. Another optional extra is often protection for your 'no claims bonus', which can prove useful in the event of an accident. Again, some companies add this to car insurance policies as standard but it is important to check.


Finally, most car insurance providers will expect you to pay an excess in the event of a claim. This means that before the car insurance company pay out you must pay the amount set which can vary greatly depending on your age and experience. Because the excess can often be more than the damage caused it is important to take this into account when shopping around for car insurance quotes.

ProviderSpecial OffersGet Quotes

5 Star car insurance from £163 – That’s all 10% paid for our standard cover* .
You could save up to 20% online - 32% of customers are expected to receive the maximum saving**

Get Quotes >
Our Guaranteed Hire Car cover comes as standard with our comprehensive motor insurance.

Underwritten by U K Insurance Limited

Get Quotes >
Great value cover from only £235
10% of customers paid £235 or less between 1st July 2017 & 31st December 2017. Defaqto 5 star car insurance. 98% of customers would buy from Admiral again. Personal Finance Awards 2018 Best Car Insurance Provider
Get Quotes >

Comprehensive cover available from just £180 a year***.
Defaqto 5 Star Rated Comprehensive Cover, you'll benefit from the following as standard: Uninsured driver cover, Vandalism cover, Guaranteed replacement car, Emergency any driver cover, Cover for driving in the European Union for an unlimited period.

Get Quotes >
Defaqto 5-Star cover.

Free class-A courtesy car, uninsured Driver Promise - you won't lose your No Claims Discount, new replacement car if the car is less than 12 months old, 21 days European cover, cover to drive other cars subject to eligibility, up to £1,500 key cover, up to £1,000 cover for in-car entertainment, choose from a range of optional cover extras. UK call centres

Get Quotes >

99% of customers would buy again from LV= - Reevoo

Benefits include UK call centres, 24/7 claims helpline, unlimited cover for factory fitted phone, audio and sat nav equipment, replacement child car seats, and European car insurance cover. Tailor the cover to suit you with optional extras, such as Motor Legal Expenses, Guaranteed Hire Car, increased Personal Accident cover and Breakdown cover.

Get Quotes >

Discount available for every additional car you insure with Churchill Motor Insurance.
Introductory discount. Minimum premiums apply. Maximum 10 vehicles per household. Underwritten by U K Insurance Limited

Get Quotes >

Save 15% Online††
No claims discount up to 75%.

Get Quotes >

*10% of customers buying comprehensive car insurance with us from February 2018 to April 2018 paid this price or less for our standard cover (excluding optional extras). The price you will pay depends on individual circumstances, cover chosen and payment method. 


**Discount depends on individual circumstances and does not apply to optional extras. Minimum price applies.

*** 20% of customers who took out a new policy with us between July and September 2017, and paid annually, paid this or less.

† 10% of respondents between 1st October 2015 & 31st March 2016, who gave a best alternative price saved £318

†† For new customers only purchasing online.

Compare - Latest Car Insurance Deals
ProviderSpecial OffersGet Quotes

5 Star car insurance from £163 – That’s all 10% paid for our standard cover* .
You could save up to 20% online - 32% of customers are expected to receive the maximum saving**

Get Quotes >
Our Guaranteed Hire Car cover comes as standard with our comprehensive motor insurance.

Underwritten by U K Insurance Limited

Get Quotes >

Discount available for every additional car you insure with Churchill Motor Insurance.
Introductory discount. Minimum premiums apply. Maximum 10 vehicles per household. Underwritten by U K Insurance Limited

Get Quotes >
Great value cover from only £235
10% of customers paid £235 or less between 1st July 2017 & 31st December 2017. Defaqto 5 star car insurance. 98% of customers would buy from Admiral again. Personal Finance Awards 2018 Best Car Insurance Provider
Get Quotes >

Comprehensive cover available from just £180 a year***.
Defaqto 5 Star Rated Comprehensive Cover, you'll benefit from the following as standard: Uninsured driver cover, Vandalism cover, Guaranteed replacement car, Emergency any driver cover, Cover for driving in the European Union for an unlimited period.

Get Quotes >

99% of customers would buy again from LV= - Reevoo

Benefits include UK call centres, 24/7 claims helpline, unlimited cover for factory fitted phone, audio and sat nav equipment, replacement child car seats, and European car insurance cover. Tailor the cover to suit you with optional extras, such as Motor Legal Expenses, Guaranteed Hire Car, increased Personal Accident cover and Breakdown cover.

Get Quotes >
Confused.com compare prices from over 130 motor insurance providers to find you their best dealGet Quotes >
Save up to £230 on your car insurance (51% of consumers could achieve a saving of up to £229.96 with Gocompare.com car insurance based on a comparison of at least 40 companies)Get Quotes >

Save 15% Online††
No claims discount up to 75%.

Get Quotes >
With lots more cover now included as standard, AXA car insurance offers you extra reassurance on the road.
If your car’s hit by an uninsured driver, you’ll keep your no claims discount and get back your excess with AXA’s uninsured driver promise* – only with our comprehensive car insurance (*We will return any No Claims Discount and Excess if you are not to blame – you will need to provide the make, model and reg number of the other car. T&Cs apply.)
Get Quotes >

Get Comprehensive Car Insurance Quotes Online.

Get Quotes >

 * 10% of customers buying comprehensive car insurance with us from October 2014 to December 2014 paid this price or less for our standard cover (excluding optional extras). The price you will pay depends on individual circumstances, cover chosen and payment method. Our Defaqto 5 Star Rating gives you independent expert reassurance about the quality of cover we provide as well as options to tailor your cover. Discount depends on individual circumstances and does not apply to optional extras. Minimum price applies.