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Fully comprehensive car insurance

Compare fully comprehensive car insurance quotes

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What is fully comprehensive car insurance?

Fully comprehensive car insurance policies offer the most coverage out of all your options for cover. It offers protection against injury and damage for you and your vehicle, as well as any third-parties involved in a claim.

Do I need fully comprehensive car insurance?

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.

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1Accurate as of January 2022.

What does fully comprehensive car insurance cover?

A fully comprehensive car insurance policy will offer the most coverage of the three available choices. While it does depend on the provider and what they include as standard, you’ll find in most cases the protection will extend to:

  • Your vehicle

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

  • Third-party damage

    You’ll also be covered for damage you cause to a third-party, their vehicle or their property

  • Motor legal protection

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

  • Personal accident cover

    A personal accident policy offers a compensation payout if you’re seriously or fatally injured in a road accident 

  • Breakdown cover

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

  • Courtesy car cover

    Sometimes part of breakdown cover and sometimes separate, courtesy car cover gives you access to a temporary replacement vehicle if yours is out of action 

How to compare fully comprehensive car insurance quotes

Our mission is to make it effortless to find cheap car insurance quotes, so you can get on with enjoying the open road.

  • Speedy and simple

    Just pop in a few details about yourself, your car, and the cover you need

  • See your savings:

    We’ll do the legwork to find the cheapest car insurance that offers the cover you need – you could save up to £2641

  • Never miss a renewal

    With Car Monitor, we can remind you when your MOT and tax are due, so you never miss a renewal date

151% of consumers could save up to £263.87 on their annual car insurance premiums. Consumer Intelligence, December 2021. UK only.

How much does fully comprehensive car insurance cost?

 

Fully comprehensive car insurance is almost always cheaper than the alternatives, even though it offers the most cover. In fact, between October and December of 2021, the average fully comprehensive car insurance policy cost £641 a year – over £300 cheaper than the next option, third-party, fire and theft.

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. However, you can usually guarantee that fully comprehensive cover will be the cheapest option available. 

 

 
 
Policy type Average annual premiums*
Comprehensive £641
Third Party, Fire & Theft £980
Third Party Only £1,348

 

*Based on policies with one driver holding a full UK licence. MoneySuperMarket data collected between October and December 2021, accurate as of January 2022.

Why is fully comprehensive car insurance cheaper?

The reason for fully comprehensive car insurance policies being the cheapest available is more to do with who used to frequently take out third-party only cover. As you might expect, fully comprehensive cover used to be the most expensive, and third-party was the cheapest option – which meant lots of high-risk drivers would take out third-party insurance to save money.

But these high risk drivers ended up making more claims on their third-party policies – so these policies were then associated with high-risk drivers, making them more expensive and reversing the trend. As a result, fully comprehensive cover became the cheapest option.

 

 

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How is fully comprehensive car insurance different to other types of cover?

Fully comprehensive car insurance is just one of the available options you’ll have, with the other two being third-party only, and third-party, fire & theft – each offering a specific level of coverage.

  • Third-party only

    Third-party only cover is 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

    Third-party, fire and theft is 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

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 icon

    Pay annually

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

  • 2 icon

    Pay more 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 icon

    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

  • 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

  • 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

  • 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 you built it up the bigger discount you could get

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

 

 

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 car insurance can sometimes come with extras already included, but if not you’ll usually be able to add the following protection to your policy:

  • Windscreen cover: This covers claims for damage done to your windscreen, such as a chip or crack – and sometimes it won’t even affect your no-claims bonus

  • Wrong fuel cover: Using the wrong fuel can be calamitous, but this extra covers you for the cost of draining the incorrect fuel and refilling with the right stuff

  • Car keys cover: Car keys can have a habit of getting lost – with car key cover you’ll be able to claim for a set of replacement keys to get you back on the road 

  • Personal belongings: If you keep items like sunglasses, a sat nav or a stereo in your car, it can be useful to ensure your possessions are protected against things like theft or damage

 

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 car insurance does offer the most coverage of all your options, but it still comes with its fair share of exclusions: 

  • Driving under influence: No matter what kind of cover you have, driving under the influence of drugs or alcohol is illegal, and will invalidate your cover

  • Invalid licence: Driving without a valid licence will also invalidate your car insurance policy

  • Wear and tear: Damage caused by general wear and tear won’t be covered 

  • Carelessness in security: If you leave your doors unlocked or items in clear view, this carelessness will likely mean you won’t be covered if your possessions are stolen

  • Uninsured cars or drivers: If you drive a car you aren’t insured on, or if someone else drives your car without being insured on it, this will void your policy

  • Violation of terms or guidelines: Breaking any other guidelines or terms outlined in your policy documents will also leave you without valid cover

 

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