What type of car insurance do I need?

Third Party Car Insurance

Third party car insurance provides cover for third party property damage and costs for any injuries which a third party may sustain as a result of your vehicle and/or driving. The insurance is very limited and will only pay out for accidents which you cause that injure other drivers or passengers (i.e. third parties). It is important to bear in mind that third party car insurance does not cover the cost of repairs to your car, or any injuries that you sustain

Third Party fire and theft insurance

Third party fire and theft insurance offers more cover than regular third party car insurance. It includes protection against fire damage, and covers you if your car is stolen or damaged in an attempted of theft.

Verdict: Consider the risks involved

The minimal level of cover provided by third party insurance means it cannot be recommended above comprehensive cover. In the past, these policies were popular options for drivers who could not afford comprehensive policies, but their popularity meant the prices went up, meaning comprehensive options now offer more protection for potentially a lower price when compared with third party car insurance or third party fire and theft car insurance.

Even though fire and theft insurance give this the upper hand over standard third party insurance, this type of cover is still limited in comparison to comprehensive policies, which provide more protection and are often available for a lower or similar price.

Fully comprehensive Car Insurance

As the most extensive type of car insurance available to consumers, comprehensive policies are a sensible choice for drivers.

While the terms of individual policies will differ, these agreements typically cover drivers for not only injuries caused to third parties and damage caused to third party property but also injury to them and damage to their property caused by other motorists. To make sure you have the right policy for your needs, look over the terms and conditions. Some policies will come with extras such as courtesy cars and breakdown cover, which provide an extra layer of protection.

Verdict: Find a policy that suits you

Fully comprehensive car insurance is undoubtedly the best option for drivers, but it is imperative to check all the terms and conditions of your cover. Breakdown cover and the option for a courtesy car are perhaps the most important add-ons, as they ensure that you can be picked up if you breakdown on the road and you can continue driving while your vehicle is repaired.

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