Compare fully comp cover in just a few minutes
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.
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.
‘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.
Check policy documents to find out exactly what is and isn’t included on policies before you choose. Compare prices, and pick the right cover for you.
It’s a legal requirement in the UK to have car insurance if you drive, but it doesn’t have to be comprehensive.
Claiming on your car insurance is stressful enough, without the added cost of your excess – and we want to help with that.
If you do need to claim, you'll have to pay your excess first, and then we'll refund up to £250 after your claim's settled.
It really is free. We haven't hidden the cost anywhere.
Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
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.
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
Average cost of annual car insurance by policy type bought through GoCompare in April 2020
Don’t do it. Being over the drink drive limit, or being intoxicated by drugs invalidates your cover
Leaving windows and doors open or unlocked and having valuables on display
If your car is damaged by general use
You need to have passed your driving test and kept your licence up to date
Some policies won’t cover you if you put the wrong fuel in your car. But some do - check your documents
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.