Ford Mustang car on Felixstowe beach

Article about the different types of car insurance in the UK.


Third Party

Third party is the type of car insurance that most people will go for. It is usually the cheapest, and it is the minimum type of car insurance that you are allowed legally. This type of insurance usually offers the minimum amount of protection. For example, it will cover any injuries to passengers within your car, and other people outside of your car. As well as this, it will cover you if you are in an accident and you damage someone else’s car. However, it will not cover damage to your own car.

Third Party Fire and Theft

Third party fire and theft car insurance will cover all of the things that have been mentioned above. However, it will also cover you if your car is stolen, or if it becomes fire damaged. This is not a very popular type of car insurance. This is because it is considerably more expensive than third party car insurance and it really doesn’t offer much more in terms of protection. This is why many people will go for basic insurance, or for something more expensive.


Comprehensive cover is something that a lot of car owners go for these days. It is a lot more expensive, but it does offer much more in terms of protection. For example, it will cover you if there is accidental damage to your car. It also covers you if someone damages your car on purpose. It will cover medical expenses if you are injured in an accident, up to a certain point. These types of policies will also cover glass replacement for the windows in your car. There are also many other things that will be covered by a comprehensive car insurance policy.

As you can see, there are a lot of things to consider when buying car insurance. You need to think about the area in which you live, for example. As well as this, you need to consider your financial situation. There are lots of different factors that can affect a car insurance quote. There are lots of different providers, so many use an insurance comparison website to get car insurance.

You can compare insurance from a range of different car insurance providers, which means it is possible you could save money compared to more expensive quotes.

If you are a car owner then you will already know the importance of insuring your car. This is why it is important that you learn what the different types of car insurance are and what they do before you actually pay for a policy.

Photo of Ford Mustang on Felixstowe beach by stevoarnold.

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