Comprehensive vs Third Party

Comprehensive vs. Third Party Car Insurance

So you did it, you bought a new car, no doubt it’s your pride and joy, you’ve invested your hard earned cash in it so it’s now time to get insured and make sure you’re both protected.

Unless you’re completely clued up when it comes to insurance the task of getting the right policy to suit your needs can be daunting. There are just so many things to consider. Who should you insure with? What excess should you have? Should you pay monthly or annually? Then there’s the age old question – Third Party or Comprehensive?

The answer to this comes down to your specific requirements and what’s important to you – cover for the car or cover for damage that your car causes. Depending on your insurer you have 3 levels of cover you can choose from, Comprehensive, Third Party Fire & Theft and Third Party Property Damage.

Comprehensive is just that! It’s the full package that covers your car against damage caused by a number of insured events, such as theft, accidental damage and natural events (flood, earthquake, fire & storm) as well as protecting you from having to foot the bill should your car cause damage to someone else’s car or property.

Still even with some of the great deals out there, Comprehensive insurance does come with a higher price tag. So if your budget won’t quite stretch it may be worth considering a Third Party option. 

Third Party Property Damage cover protects you from the costs of damage your car causes to someone else’s car or property, however it doesn’t extend to any damage your little beauty suffers in the event of an accident or other insured event.

I guess the question you need to ask yourself is whether you need this protection. Is your car new or used? If it’s used, how old is it? Even if your car is on the older end of the spectrum, you probably rely on it so if anything were to happen to it would you be still be able to get on with everyday life? If the answer is no, then maybe it’s worth having a level of cover that protects your car from damage.

This doesn’t have to be Comprehensive though; there is a middle of the road option, Third Party Fire & Theft. This has all the benefits of Third Party Property Damage as well as protection against fire, theft, attempted theft and earthquake, meaning you can rest a little easy knowing you have some level of cover for your car.

Hopefully having read the above, your car insurance confusion has lifted a little and you’re one step closer to knowing which policy will best suit your needs. If you’re still a little unsure take a look at the comparison table below which clearly shows the difference between the benefits.

Product Comparison

 Covered    Optional cover     Not covered Comprehensive Third Party
Fire and Theft
Third Party
Property Only
Legal Liability      
Immediate Replacement Car      
Emergency Accommodation, Transport and Repairs      
Towing Costs      
Contents Inside the Car      
Accidental Damage      
Intentional Damage      
Storm or Flood      
Additions to the Car:
  • Baby Seat Replacement
  • Personalised Registration Plates
  • Towbar
  • Window Tinting
  • Locks and Keys
Maritime Liability      
Counselling Services      
Hire Car Following Theft      
Hire Car Following Not at Fault Accident      
Hire Car for Other Insured Events      
Unbraked Trailer      
Tools of Trade      
Campervan/Motorhome Contents      
Choice of Repairer