It’s car insurance that covers you if you injure someone with your car or cause damage to other people’s vehicles or property.
It’ll also pay out if your car’s stolen or damaged by fire, but you won’t be covered for the loss or damage to your own car in any other circumstances.
However, if you’re in an accident that isn’t your fault, you might be able to claim for damage or the loss of your car from the insurance company of the person whose fault it was.
The cost of your policy will depend on a variety of factors including
TPFT is a good choice if you’re driving a low-value car that’s easy to get spare parts for - it could be cheaper for you to pay for repairs yourself, rather than make a claim with your insurer.
That's because the excess on your insurance (the sum you have to pay out before making a claim) might be close to or higher than the cost of any repairs.
But if you couldn’t afford to replace your car if it’s written off in an accident then you need to consider comprehensive insurance instead.
The cost of your policy will depend on a variety of factors including -
You won’t be covered when -
The cheapest insurance isn’t necessarily the best. Policy prices vary greatly, and it’s more important to find car insurance that suits your needs.
Think about what you need cover for and always read your policy carefully to make sure it’s right for you.
Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.