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Comprehensive car insurance

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What is comprehensive car insurance?

Comprehensive is the highest level of car insurance cover.

It'll cover damage to you, your car and any third parties if you’re involved in an accident.

What’s included?

Policies will pay out if your vehicle’s damaged or lost due to theft, fire, or vandalism. And comprehensive cover can help you buy a replacement if your car’s written-off.

What isn’t?

‘Comprehensive’ doesn’t mean absolutely everything’s included in the policy as standard. Lots of providers charge extra for optional cover such as personal accident insurance or legal expenses.

Breakdown cover, cover for the theft of in-car gadgets, windscreen repair or replacement and courtesy cars are commonly offered as added extras too.

Check policy documents to find out exactly what is and isn’t included on policies before you choose. Compare car insurance quotes, and pick the right cover for you.

Alternatives to comprehensive cover

It’s a legal requirement in the UK to have car insurance if you drive, but it doesn’t have to be comprehensive.

  • Third party, fire and theft

    Cover for if your car is stolen or catches fire. But this won't cover damages to your car for any other reason.

    Find out more
  • Third party only

    Also known as TPO, third party only covers other people and their property, but not you or your vehicle.

    Find out more

Join over a million customers with free £250 excess cover

Claiming on your car insurance is stressful enough, without the added cost of your excess – and we want to help with that. That’s why we’re offering you £250 free excess cover when you buy car insurance through us.

If you do need to claim, you'll have to pay your excess first, then we'll refund up to £250 after your claim's settled.

It really is free. We haven't hidden the cost anywhere.

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Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

How much is comprehensive car insurance?

You might expect comprehensive car insurance to be the most expensive cover option. It offers the most cover after all. But it's often cheaper than third party only and third party, fire and theft policies.

Our customers paid an average price of £490* for fully comprehensive cover. In fact, we found that third party only cover is actually 82% more expensive than fully comp.[3]

That’s because third party options tend to attract drivers at a higher risk of accidents, meaning that insurers can class these policyholders as more likely to make a claim.

So even if you’re trying to find ways to save money on your car insurance, make sure you check comprehensive quotes alongside other options. See if you could get comprehensive cover for the same cost, or less, than third party.

*The average price paid by GoCompare customers for comprehensive car insurance in April 2018 - £484.54, April 2019 - £528.62 and April 2020 - £481.92
[3]Average cost of annual car insurance by policy type bought through GoCompare in April 2020

Average cost of fully comprehensive car insurance

Common comprehensive insurance exclusions

  1. Driving under the influence

    Don’t do it. Being over the drink drive limit, or being intoxicated by drugs invalidates your cover

  2. Irresponsible security

    Leaving windows and doors open or unlocked and having valuables on display

  3. Wear and tear

    If your car is damaged by general use

  4. Invalid driving licence

    You need to have passed your driving test and kept your licence up to date

  5. Misfuelling

    Some policies won’t cover you if you put the wrong fuel in your car. But some do - check your documents

Comprehensive insurance and driving other cars

Don’t assume that just because you have comprehensive car insurance that you’ll be insured to drive other cars.

It doesn’t come as standard on all policies. Even when it does, it’s usually reserved for emergency situations or one-offs only. Things like test-driving a car you’re interested in buying from a private seller. It's not uncommon for the level of cover to drop to third party only too.

Check the terms and conditions of your policy before driving someone else’s car.

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