Comprehensive Cover

Comprehensive cover Has Equal level of protection as Third party fire and theft but with the plus side of including protection for your car against accidental damage.

Accidental damage is that done to an insured vehicle including malicious damage, and windscreen damage. Our policies also include additional cover such as personal accident cover, European driving cover and courtesy cars.

In Extension to Some Policy’s you get to drive other cars. It is misunderstood that this type of cover is only accessible on comprehensive cover. Quite often third party policies also cover the policyholder allowing them to drive other cars on a third party basis.

The ‘driving other cars extension’ has eligibility criteria that differ from insurer to insurer but typically age and occupation are used to assess whether a driver qualifies.

Please understand clearly the restrictions that apply to this cover. You should refer to the documents of your policy for these.

Third Party Fire and Theft Cover

Basically this protection offers the fire and theft cover in addition to the legal requirement of third party insurance.

The fire and theft cover will include an excess (Most Probably £100) and is payable whilst making a claim. Take into account that claims can also affect your no claims bonus and therefore meaning then next time you come to insure your car the cost of your insurance could increase.

In the possibility of your car is stolen or damaged due to theft or attempted theft you are able to make a claim. However, this event of attempted theft or actual theft will have to be reported to the police

Fire claims often occur directly as a result of theft but sometimes from vandalism or mechanical breakdown.

Third Party Cover

Third party car insurance is the absolute minimum level of car insurance required in the UK.

This cover basically protects third parties (pedestrians or drivers) so they do not lose out financially in the possibility of you injuring them, or causing damage to the other person(s) vehicle (not your own car).

Some car insurance companies are no longer willing to offer this level of insurance. But you may find some insurers still offer Third Party Only cover. There is no protection for fire or theft with this cover and therefore it is normally purchased by drivers on a strict budget or with a low value car.

This is more suited to Younger Drivers. Consider that your car costs just £500 and is stolen, In effect there might be no compensation to the younger driver for the loss of a car, but their no claims bonus will be retained. A whole single year of no claims bonus could possibly be more valuable than the combined excess and premium costs of buying third party fire and theft cover initially.

Essentially third party protection covers you for:

• Liability for injuring other people (including passengers)
• Liability for damage to property (not your own)
• Liability arising from using a caravan / trailer, while attached to your car
• Liability of passengers for accidents caused by them