Fully Comprehensive Car Insurance

In the past, a lot of fully comprehensive insurance covered driving another vehicle as standard. However, this is no longer the case. While some insurers may still offer this coverage as standard, it’s more likely that it will be offered as an add-on called drive other cars, or DOC cover. 

Some insurers might offer windscreen cover as standard, but it will depend on the policy you choose. This is another common cover that is offered as an add-on to your main comprehensive insurance. However, it will likely come at an additional cost too. 

If your car is written off by your insurer, you will be compensated up to the market value of the car at the time of the accident. In some cases, this may not be enough to replace your car with the same or equivalent model. This is where GAP insurance can help, particularly if you are insuring a new car or a car whose value is likely to depreciate a lot. 

It is not necessary, but it will likely offer the greatest level of protection. Some new drivers might be tempted to opt for third-party-only insurance to keep costs down. However, you are statistically more likely to be involved in an accident in your first years of driving, so this is really when you need the protection most. Young drivers can save on car insurance without compromising on coverage with these other strategies.

Yes, the majority of insurers will give you the option of paying for comprehensive  insurance monthly or annually. Just be aware that monthly payments can cost more overall. 

There is no difference, these two terms are used interchangeably to refer to the same type of insurance coverage. 

Comparing quotes from multiple insurers is one of the most reliable ways to find a competitive price. Quotezone searches over 130 UK insurers in one go, so you don’t have to fill out the same form on multiple sites. Results vary by age, location, car, and driving history (ABI).

Fully comprehensive covers damage to your own car as well as damage or injury you cause to other people. Third party only is the legal minimum under the Road Traffic Act 1988 and only covers damage you cause to others — not your own car. Third party fire and theft sits between the two, adding protection against fire damage and theft of your own car (ABI). See our guide to third party car insurance for more.

It depends on the car’s value and where you live. Fully comprehensive pays out for damage to your own car, but only up to the market value at the time of the claim. If the car is worth less than the premium difference between cover levels, you may get better value from third party fire and theft. In practice, fully comprehensive is often similar in price regardless of car age, so it’s worth comparing quotes for both on Quotezone before deciding (ABI).

In most cases, yes. Vandalism is typically covered under standard fully comprehensive policies. You’ll usually need to report it to the police and get a crime reference number before the insurer will pay out. Check the specific policy wording, as some policies treat certain types of vandalism as exclusions (ABI).

There’s no single cheapest fully comprehensive policy because pricing depends on your age, car, postcode, mileage, and claims history. The most reliable way to find cheap fully comprehensive car insurance is to compare multiple insurers at once. Quotezone brings together fully comprehensive car insurance quotes from over 130 UK insurers in one form, so you can see prices side by side.

The best fully comprehensive car insurance for you depends on what you need from the policy. Comprehensive covers damage to your own car as well as damage or injury you cause to others (ABI). Compare quotes from over 130 UK insurers on Quotezone to find a policy that fits your budget, excess preference, and add-on needs.