What is fully comprehensive car insurance?
And is it the right option for you?
Car insurance is a must-have legal requirement for anyone who wants to take to the road. But there are different types to suit different drivers, so crucially you need to work out which is best for you. In this short guide we tell you all you need to know about fully comprehensive car insurance – and help you decide if it's the one you should plump for.
What is comprehensive insurance?
Comprehensive car insurance, as the name suggests, is the most 'comprehensive' type of insurance you can get for a car.It provides the highest amount of protection of all the different types of car insurance, covering you if have an accident, or if your car is damaged or stolen. Other types of car insurance include:
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Third party. With third party insurance you can claim if you damage another person's car or injure someone, but these types of policy won't cover your car if it's damaged in an accident.
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Third party, fire and theft. Offers the same protection as third-party insurance, plus cover if your car is stolen or damaged in a fire.
Fully comprehensive car insurance includes as standard all the protection you'd get from third party, fire and theft insurance, in addition to covering you if an accident is your fault (with some exclusions).If you are looking for motorbike insurance, or van insurance, see our specialist guides.
What does fully comprehensive car insurance cover?
You should expect fully comprehensive car insurance to cover most of the costs associated with an accident or damage to your car – even if it's your fault. Typically most comprehensive insurance policies cover:
The full cost of repairing damage to your car following an accident (regardless of who's at fault)
Damage to other cars
Fire or flood damage to your car
Theft of your car
Injury to other people
However, the name 'fully comprehensive' is slightly misleading, as no insurance policy can cover every scenario. As a general rule, even comprehensive policies are unlikely to cover you for:
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Theft due to carelessness (for example, if the car was left unlocked)
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Any damage or injury caused when driving under the influence of drink or drugs
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Driving with an invalid licence
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General wear and tear
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Driving someone else's car (some insurers will allow you to do this as standard, so check policies if you do want this)
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Someone uninsured driving your car
What additional cover can I get?
Some insurers might include the following, while others might allow you to add on these extras for a fee:
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Personal injury accident cover
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Personal belongings cover, for items you regularly leave in the car
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Legal protection
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Windscreen cover
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Wrong fuel cover
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Courtesy car cover
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Key cover
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Transport home after an accident
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Vandalism cover
Each insurance policy will provide slightly different cover, so it's a good idea to check what's included, especially if you're looking for a particular add-on. And read our full Gap insurance guide if you have a brand new car and that is something you are considering.
It's also worth making sure you understand How to claim car insurance, so you know the process to follow should you need to claim.
How much does fully comprehensive car insurance cost?
The cost of your car insurance will depend on your own specific circumstances and the vehicle you drive (see car insurance groups for how your vehicle is viewed).
But in terms of how the cost of different types of car insurance compares, fully comprehensive isn't always the most expensive, despite offering the highest level of cover. In fact, it's often the cheapest – but how?
Well, it's because drivers who take out third-party insurance (the lowest amount of cover) tend to be more likely to take risks when driving. Risk-taking leads to more incidents on the road, which means these policies are more expensive for insurance providers than fully comprehensive ones.
However, as we say above, the final cost of your insurance will depend on a range of factors, including your age, driving and conviction history and where you live. For more info on this, see our What can affect my car insurance quote? guide.
And for a rough idea of how costs compare across different car insurance types, here are some average annual prices, collected from April to June 2024 Confused.com:
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Comprehensive: £882
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Third party only: £2,112
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Third party, fire and theft: £1,648
Comprehensive policies often cost the least, but also offer the highest level of cover, so it's usually a win-win.
However, it's still worth getting quotes for different types of cover, and weighing up the cost versus features of each to make sure you're getting the best value option.
Wanna know when the cheapest time to get car insurance is? The MSE App has a new tool called Bill Buster – give us a few details about your car insurance policy & we’ll track it, alert you when it's ending and when you should start gathering quotes to save.
Download the MSE app on Google Play Store
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Get cheap car insurance quotes
Now you've understood fully comp car insurance, if you need to go and look at quotes, we've a whole host of car insurance top tips and tricks to get cheap cover...
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Benchmark your cheapest using our Compare+ Car Insurance tool, with personalised cost-cutting tips.
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Read our full How to get cheaper car insurance guide, including nine ways to cut car insurance costs.
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See our full Car insurance section with all our key tools and guides.
Comprehensive car insurance FAQs
Past data suggests that drivers who take out third-party insurance (the lowest amount of cover) are more likely to take risks on the road – which means these policies can be more expensive for insurance providers than fully comprehensive (despite offering more protection), and this cost is passed on to customers.
Having fully comprehensive car insurance does not always cover you if you want to drive a different car, so always check your insurance certificate, or with the insurer, to see if you have this extension. If you want to drive someone else's car, or want someone else to drive yours, adding a named driver or having temporary car insurance could offer cost-effective cover.
If there is more than one car in your household, it's also worth looking at multicar insurance.
If the other driver has their own fully comprehensive car insurance, it does not always give them the cover to drive your car, so they would need to check their insurance certificate to see if they have this extension. If you want someone else to drive your car, adding a named driver or temporary car insurance could offer cost-effective cover, and also get the fully comprehensive cover protection.
There's no difference between comprehensive and fully comprehensive car insurance – they're just slightly different names for exactly the same type of policy.
Young drivers can usually take out the same car insurance policies as older drivers as long as they, and their car, meet the eligibility criteria – however, fully comprehensive insurance will likely be much more expensive for those under 25 years old. For me, see our full Young drivers' insurance guide.
Why is comprehensive car insurance cheaper?
Can I drive any car if I have fully comprehensive cover?
Does fully comprehensive car insurance cover other people to drive my car?
What's the difference between comprehensive and fully comprehensive car insurance?
Can I get fully comp cover if I'm a young driver?
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