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FULLY COMPREHENSIVE CAR INSURANCE

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What is comprehensive car insurance?

Fully comprehensive car insurance is the highest level of cover you can get and is also the cheapest option of cover – 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.

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Compare car insurance quotes in three easy steps:

  • 1

    Fill out our quote form

    We’ll need some details about the driver and the car you’d like to insure.

  • 2

    Compare quotes

    We’ll find you the cheapest quotes from 179i trusted insurers.

  • 3

    Start saving

    Choose the policy that best suits your needs and complete your purchase.

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.

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    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: Drivers that haven't been named on your policy and driving other cars is not covered

    • 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

We compare car insurance from 179i providers

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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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.

Average cost of car insurance by policy type

Fully Comprehensive

£559.07ii

Third party, fire & theft

£648.38iii

Third party only

£766.79iv

What car insurance cover do you need?

Use our tool to answer 3 quick and easy questions so we can help you find the right car insurance cover for you.

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:

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

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

This covers the cost of draining the incorrect fuel and refilling with the right fuel

You may not be covered for windscreen damage automatically

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

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

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

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

Customer reviews

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Feed all the information into the required online system then choose which one suits you best beat my new online quote from my present insurance by some margin. Brilliant service thanks
Hassle free, easy to find the best value car insurance policy. Would definitely recommend.
Easy to compare and get appropriate cover

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

    One of the simplest ways to reduce your insurance cost is to increase your voluntary excess.

  • 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

    The longer you go without making a claim, you start to build up a no-claims bonus, the more no claims bonus you build up the bigger discount you get

Example quote when comparing car insurance

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insurethebox

  • Annual Price

    £543.98

  • 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.

Did you know?

If you plan on paying your car insurance monthly, then your insurance provider will perform a ‘hard’ credit check. A low credit score can drive up your premiums. You can keep an eye on your credit score with our Credit Monitor tool

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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, Personal Finance & Insurance Expert

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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.

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.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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