Don’t have your registration number? No problem, click here.

Secure Your Journey with the Right Fully Comprehensive Car Insurance

When it comes to getting car insurance, most people want to save money wherever they can. One of the ways to do this is by getting a lower level of cover with a third party policy. Although third party policies will make your vehicle road legal, they provide very little protection and are mostly there as a way to protect other drivers. If you want to get full cover for your own vehicle, then a fully comprehensive policy is the way to go.

You can get fully comprehensive car insurance quotes now by clicking the green button. You can also get more information about the types of cover available and some ways to save money below.

Did you know…?

Fully comprehensive insurance protects your vehicle for accidents, even when you're the one to blame.

Why Fully Comprehensive Car Insurance Is Recommended

It’s a good idea to get a fully comprehensive policy if you want protection for your own vehicle. A fully comprehensive policy will provide cover for collisions where you’re at fault, so you can drive with full peace of mind.

Fully Comprehensive Car Insurance Types of Cover

The kind of car insurance you pick will dictate the degree of safeguarding you receive. The main options obtainable in the UK are:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and fulfils the least legal requirement in the UK. It provides coverage for injuries to others and damage to other people's property but excludes any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This encompasses everything in Third-Party Only insurance, but with added protection against loss or damage to your vehicle from fire or theft.
  • Comprehensive Car Insurance: This is the highest level of cover available. It integrates everything from the Third-Party, Fire and Theft policy, and might also cover the cost of repairing or replacing your car, regardless of whether the accident was your fault or not.

Did you know…?

Fully comprehensive insurance isn't always much more expensive than third party cover, so it's worth getting quotes to see the difference.

Why Comparing Fully Comprehensive Car Insurance Quotes Is A Good Idea

Check out the reasons below for why you should get Fully Comprehensive Car Insurance quotes.

  • They allow customisation of search results based on individual needs, such as coverage type and excess amount, for a personalised experience.
  • These services don't require commitment or purchase; they can be used as research tools.
  • They promote competition among insurers, often leading to better pricing options.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.
  • The real-time comparison of prices from various insurers aids in making an informed decision.

Optional Types Of Fully Comprehensive Car Insurance Cover

Tailor your Fully Comprehensive Car Insurance policy so it suits your needs.

  • Windscreen Cover: A clear view is crucial when you're on the road. This cover ensures your windscreen's protection against any damage.
  • Excess Protection Cover: Need to make a claim? Don't fret about the cost of your excess. This cover's got your back.
  • Key Cover: Lost keys or stolen ones, this cover sorts out the cost of replacement and the locksmith's charges.
  • Legal Cover: A legal dispute from a road incident can be a financial burden. This cover is there to lighten that load.
  • No Claims Discount Protection: Make a claim without worrying about your no claims discount. This cover ensures it stays intact.
  • Foreign Use Cover: Fancy driving abroad? This extends your cover overseas, offering the same level of protection as you enjoy back home.
  • Breakdown Cover: Car troubles mid-journey? This add-on offers roadside assistance whenever you need it.
  • Uninsured Driver Protection: An uninsured driver hit your vehicle? This cover ensures you're not left out of pocket, protecting your excess and your no claims discount.
  • Personal Accident Cover: If a severe accident happens, this cover provides financial support for you or any named driver for certain injuries.
  • Misfuelling Cover: Put the wrong fuel in your car by mistake? This cover shields you from any subsequent repair costs.
  • Courtesy Car Cover: If an accident sends your car to the garage, this cover ensures you're not left high and dry by providing a courtesy car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for replacing any child car seats, even if there's no visible damage.

Did you know…?

The level of cover you take out is just one of the factors that insurance providers look at when coming up with a price for car insurance.

How to Save Money On Fully Comprehensive Car Insurance

Below are some great ways to save money on Fully Comprehensive Car Insurance

  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Add a Named Driver: Adding a more experienced driver to your policy could reduce your premiums, especially for younger or less experienced drivers. Be aware that the main driver must be the person who drives the most, as falsely declaring this (fronting) is illegal.
  • Consider Insurance When Buying a Car: If you're in the market for a new car, consider insurance costs before finalising your purchase. Cars are categorised into insurance groups based on factors like repair costs and performance – higher group ratings usually mean higher insurance premiums.
  • Check for Discounts: Always check if the insurer offers any specific discounts. For example, some insurers may offer discounts for buying online, being a member of a certain profession, or belonging to a certain organisation.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.

Compare Fully Comprehensive Car Insurance Quotes Now!

Comparing makes the process of finding the right car insurance easy. Just follow these steps:
  • Enter your personal information.
  • Provide your vehicle's details.
  • Fill in your current insurance details.
  • Specialist insurance providers contact you with tailored quotations

Don’t have your registration number? No problem, click here.

Fully Comprehensive Car Insurance FAQs

What is covered by a fully comprehensive policy?

With fully comprehensive insurance, your own vehicle is covered for all types of accidents, including ones where you’re to blame or if you’re in an accident with an uninsured driver. In most cases, it will also cover you for fire and theft as well as personal injury.

Isn't fully comprehensive insurance much more expensive?

This isn’t always the case. A lot of insurance providers realise that riskier drivers often opt for lower cover and adjust their policies accordingly. It’s absolutely worth finding out what the difference is between what you’d paid for third party cover and a fully comprehensive policy.

Are repairs covered by fully comprehensive insurance?

If you were involved in an accident, then yes they would be. However, general maintenance repairs wouldn’t be covered.