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What type of car insurance people need?

The type of insurance you need depends on the level of cover you want. There are three different types.

Third party only covers you for injury or damage you cause to other people.

This is the minimum level of cover you need to legally drive on UK roads. Third party insurance only covers the cost of compensating other people for injury or damage you cause. It doesn’t provide you with any financial help for injury or repairs to your vehicle.

Third party, fire and theft provides cover if your car is stolen or damaged by fire.
Covers the cost of damage or injury to third parties, but could also compensate you if your car is damaged due to fire or theft, or if it’s stolen. It won’t cover you for the costs of damage to your own car in an accident.

Fully comprehensive offers drivers the most complete cover.
Includes all the cover of a third party fire and theft policy, but could also protect you as a driver and may pay out for damage to your car. It could also include compensation for medical treatment, legal expenses and accidental damage.

Includes all the cover of a third party fire and theft policy, but could also protect you as a driver and may pay out for damage to your car. It could also include compensation for medical treatment, legal expenses and accidental damage.

It’s worth knowing that comprehensive insurance isn’t always the most expensive type of car insurance, even though it offers the most cover.

Depending on your circumstances, you might want to look into:
Young driver car insurance
Over 50s car insurance
Black box car insurance

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