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Fully comprehensive car insurance

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What is comprehensive car insurance?

Fully comprehensive car insurance – sometimes simply known as comprehensive car insurance – gives you the peace of mind you need as it provides the most coverage out of all your options for cover. It offers protection against personal injury and damage for you and your vehicle, as well as any third-parties involved in a claim.


We compare car insurance from 169 providers1

We do the hard work for you, comparing deals from the biggest providers in the UK so you can get the right cover.

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1Accurate as of February 2024.

What does fully comprehensive car insurance cover?

A fully comprehensive car insurance policy will offer the most coverage of the three available choices. It depends on the provider and what they include as standard, as well as any extras (either included or available as an add-on). Not everything is covered, though, so be sure to check.

  • Tick

    What is usually covered?

    • Damage to your vehicle: You’ll be able to claim on your policy for damage done to your own car, as well as a replacement vehicle if yours is stolen

    • Third-party damage caused by your vehicle: You’ll also be covered for damage you cause to a third-party, their vehicle or their property

    • Legal costs: Fully comprehensive cover also often includes motor legal protection, which pays out for legal costs you may face related to a claim

    • Serious or fatal injuries:personal accident policy offers compensation if you’re seriously or fatally injured in a road accident 

  • Cross

    What isn't usually covered?

    • Vehicles and drivers not named on your policy: Driving other cars (DOC) cover is not normally included with car insurance and your insurance won't cover other drivers that haven't been named on your policy

    • Standard wear and tear: Fully comprehensive cover doesn't extend to normal wear and tear that's expected over time

    • Accidents if you're under the influence: You won't be covered in the event of an accident while you're under the influence of alcohol or drugs

    • Invalid driving licence: If you or another named driver are driving without a valid licence (e.g. if it's out of date), you won't be covered

Why should I get comprehensive car insurance?

Fully comprehensive car insurance is the highest level of cover you can get – so you'll be getting maximum peace of mind.

It gives you protection against your car and any other cars, people, or property that may be involved in a car insurance claim. If you choose another level of cover, you won’t be able to claim for costs related to your vehicle or yourself.

As well as providing a lot more protection than the other levels of car insurance, many policies come with extra benefits. Each insurer will offer different things, so it's worth shopping around.

Remember, you must have car insurance in order to drive legally in the UK. If you're not sure whether comprehensive car insurance is right for you, you could consider other options:

  • Third-party only – the minimum legal requirement to drive on UK roads. It protects other people, their vehicles and their property, but not you or your vehicle

  • Third-party, fire and theft – one level up from third-party only, adding protection for your car if it’s stolen or damaged as a result of a fire or an explosion

  • Telematics – also known as black box insurance, this uses an electronic device fitted to your car to monitor your driving. Insurers can then determine how 'risky' you are

How much does fully comprehensive car insurance cost?

When calculating the cost of your car insurance, insurers take a number of factors into account, including your age and driving history, the car you want to insure and how much time you spend behind the wheel.

Fully comprehensive car insurance is usually the cheapest option, even though it offers the most cover. The reason is due to those who used to frequently take out third-party only cover.

High-risk drivers would typically prefer third-party only insurance to save money by taking out policies with reduced cover. However, these types of drivers are more likely to make insurance claims, so the cost of this type of cover was driven up as a consequence. As a result, fully comprehensive cover became the cheapest option.

According to our latest data, the average annual cost by policy type was:


Third party only

Third party, fire & theft




Based on the average annual price of third party, fire & theft policies sold through MoneySuperMarket in February 2024.

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Based on 86,423 reviews
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Excellent search engine and have used many times to compare car insurance quotes.
Comprehensive insurance product at good price.
Excellent, quote was very competitive and easy to complete process

How do I get a quote?

It's quick and easy to get a quote with MoneySuperMarket. All you need to do is answer a few questions. Here is some information you will need at hand:

  • Tick

    Your personal details

    • Your full name

    • Date of birth

    • Address

    • Occupation

    • Licence details

    • Your claims and convictions history

  • Tick

    Your car details

    • The make and model

    • Any modifications

    • How you use the car

    • Your mileage

    • Its value

    • When you purchased it

  • Tick

    Your policy details

    • The type of cover (i.e. fully comprehensive)

    • Any named drivers to add

    • Voluntary excess

    • Your no claims discount

    • The start date

    • Preferred add-ons

What add-ons can I get with fully comprehensive car insurance?

You can usually add the following onto a fully comprehensive policy, for an extra cost:

  • Plus

    Driving abroad

    You may need to buy extra cover if you’re driving abroad

  • Plus

    Key cover

    You may not be covered if you lose your car keys and need a replacement

  • Plus

    Wrong fuel cover

    If you put the wrong fuel into your car by accident, this covers the cost of draining the incorrect fuel and refilling with the right stuff

  • Plus

    Windscreen cover

    You may not be covered for windscreen damage automatically

  • Plus

    Personal belongings

    This covers anything you leave in your car which is then stolen

  • Plus

    No claims protection

    If you want to protect your no claims bonus but you need to make a claim

  • Plus

    Breakdown cover

    Breakdown cover lets you claim for the cost of calling for roadside assistance if your vehicle breaks down

  • Plus

    Courtesy car hire

    Courtesy car cover gives you access to a temporary replacement vehicle if yours is out of action

How can I get cheaper fully comprehensive car insurance?

While fully comprehensive car insurance might often be the cheapest available, there are still other things you can do to bring your premiums down:

  • 1

    Pay annually

    It usually works out cheaper to pay your car insurance premiums annually, compared to spreading the cost over 12 monthly payments

  • 2

    Pay a higher excess

    Volunteering a higher excess payment tells insurers you’re unlikely to make small claims that aren’t worth the cost, so they’ll reward the lowered risk

  • 3

    Improve your security

    Having security features like factory-installed alarms and immobilisers on your car reduces the risk of theft, and can also bring your insurance costs down

  • 4

    Store your car safely

    Storing your car in a locked garage or carport is also generally seen as a safer option, so doing too can help you get cheaper cover

  • 5

    Choose a smaller car

    Providers sort car makes and models into different insurance groups, based on factors like safety and performance – cars in lower groups are cheaper to insure

  • 6

    Avoid small claims

    If you can go for a year or longer without making a claim, you’ll start to build up a no-claims bonus, and the more no claims bonus you build up the bigger discount you get

Example quote when comparing car insurance

provider logo


  • Annual Price


  • Cover

    Fully Comprehensive

  • Excess

    Total £400, Compulsory £150, Voluntary £350

Black box telematics Your driving will be monitored to promote safe driving. There are no curfews on this policy. Potential to earn bonus miles and a reduced renewal price for safe driving.

Great for

  • Courtesy car: comes as standard
  • Personal injury cover: comes as standard
  • Windscreen cover: comes as standard

But be aware that

  • Legal cover: available from £24
  • Breakdown cover: available from £50

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.

Rebecca Goodman

Our expert says


Fully comprehensive car insurance probably looks like a bit of a no-brainer – you get the most amount of cover for the smallest price. And in most cases that’s exactly what happens but insurance depends on so many factors it’s always worth comparing the costs of different policies and different levels of cover before you pick one.

- Rebecca Goodman, Financial journalist

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No, comprehensive and fully comprehensive car insurance work in exactly the same way even though they are sometimes referred to by these different names. Insurers often say ‘fully’ comprehensive to show that you’re getting a full level of cover.

While there are ways you can reduce the cost of your car insurance, unfortunately there are some factors insurers consider that you won’t have much control over:

  • Your age: You’ll generally pay more for car insurance if you’re a young driver, owing to a lack of experience on the road that makes you a higher claim risk

  • Your driving history: If you’re got a history of accidents, claims or convictions, this also gives you a higher risk profile – so your insurance costs will likely be higher than average

  • Your location: Some areas in the UK are more prone to car theft or vandalism, or have a higher rate of road accidents – the increased risk means higher premiums for those who live or work in these areas 

  • Your occupation: Some jobs also carry different risks to others, whether it’s because of equipment, location or commuting, so insurers also take this into account when setting premiums

  • Annual mileage: The more you drive, the more of a risk you are to insurers of getting into an accident therefore, the higher mileage can mean higher premium costs

Your fully comprehensive car insurance policy won’t automatically cover you to drive other cars unless you’ve added them to your policy as an extra car with multi-car insurance – useful for households or individuals with two or more vehicles.

If you want to drive another car you don’t own, you could also ask the owner to add you to their existing policy as a named driver – this will likely increase their premiums, however.

Likewise fully comprehensive car insurance policies also won’t automatically cover other people to drive your car – they’ll have to be added to your policy as a named driver, or take out their own cover.

Almost exclusively yes, it’s worth taking out fully comprehensive car insurance compared to the alternatives, as it’s usually cheaper and always offers the most cover.

Fully comprehensive cover isn’t a legal requirement – but having car insurance is. You will need to have third-party cover as a minimum to drive on UK roads, which is the lowest level of cover available.

It depends on the cause. If the engine fails because of general wear and tear – for example, if you have an old car – this won't be covered.

On the other hand, if the engine failure is a direct result of a collision or fire damage, your comprehensive car insurance policy should cover the cost of repairing or replacing the engine.

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