Fully Comprehensive Insurance
If you want the highest level of cover available, then you will be best off opting for a fully comprehensive insurance policy.
These policies will cover you for more than any other standard insurance policy, and while generally more expensive, they can often end up working out to be the best value for money on the market.
In this guide:
What kind of cover can I expect?
A fully comprehensive car insurance policy will come with all of the accident and third party-liability cover than you can expect from any standard policy. However, where most policies will only cover certain personal items like mobile phones or sat nav systems against accidental (e.g. fire) damage and theft, with a fully comprehensive policy, your whole car will be covered.
You will also tend to get extensive third-party cover, allowing you to drive another’s car – with their permission of course.
However, beyond this, as with any other kind of car insurance policy, the specifics of the cover will depend on the provider, and so you should always read the small print to make sure that you’re getting exactly what you need.
Will it be more expensive?
Strange as it may seem, fully comprehensive cover is not always more expensive than say, simple third party cover, so it is important to shop around and not to assume that more cover automatically means more money.
Younger drivers especially tend to find that fully comprehensive cover ends up the best option, not just in terms of value for money, but in terms of the cost outright.
This is because of statistics that show that drivers most at risk of accident tend to opt to third party car insurance policies, driving costs up for this kind of cover as they continue to make claims.
How can I keep the costs down?
There are several ways to make sure that you get the cheapest fully comprehensive car insurance on the market, starting with choosing the right vehicle and keeping it safe and secure at all times.
Insurers bracket cars into one of 50 categories based on things like engine size and performance. Generally, slower and less powerful cars are cheaper to insure as they are less likely to be involved in accidents.
Keeping your car safe by parking it in a sensible place and using anti-theft devices like steering locks will also serve to bring down your premiums by reducing the possibility of theft.
By far the most straightforward way to save though is, as always, to shop around. Generally the best deals can be found online, and to avoid trawling though pages and pages of jargon-filled adverts and offers, you can use our free car insurance comparison service to find yourself the cheapest and most appropriate policy available.
Whatever you do, make sure you read the small print to make sure that the policy you get is the policy you need.