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Comprehensive car insurance

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Comprehensive is the highest level of car insurance cover

A comprehensive car insurance policy will 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 and 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 also all commonly offered as added extras.

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.

Do I really need 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.

You could choose third party-only or third party, fire and theft insurance instead, but then your own car won’t be covered if you’re involved in an accident that’s deemed to be your fault.

You could save up to £256 on your car insurance[2]

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Is comprehensive car insurance expensive?

You want the best deal you can get, but it’s not all about the price.

When you get quotes and compare prices, you might even find that comprehensive cover is cheaper than third party only.

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

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.

In fact, we found that third party only cover is actually 82% more expensive than fully comp. The average cost of a fully comp policy is £534 and the average cost of a third party only policy is £976.[3]

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, and see if you could get comprehensive cover for the same cost, or less, than third party.

Get £250 excess cover with your car insurance. For free. On us.[1]

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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 own comprehensive car insurance that you’ll be insured for driving other cars.

It doesn’t come as standard on all policies, and even when it does feature, it’s usually reserved for emergency situations or one-offs only - like test-driving a car you’re interested in buying from a private seller.

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

Car insurance guides

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

[2]Price savings are based on independent research by Consumer Intelligence, conducted between 1 October to 31 October 2019:
It compared 28 insurers from our panel and found 51% could save up to £256.09 with us on their car insurance

[3]Average cost of annual car insurance by policy type bought through GoCompare in June 2019

*Average cost of annual fully comprehensive car insurance between January and May 2018 and 2019 via GoCompare

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