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Fully comprehensive car insurance offers the highest level of protection available for UK drivers. While it covers everything included in third party policies, it also protects your own vehicle against damage, theft, and a wide range of other risks. Despite common assumptions, comprehensive cover is often competitively priced and can sometimes be cheaper than basic third party insurance.
Comprehensive car insurance is the most extensive form of motor insurance available in the UK. It combines legal third party cover (protecting others if you cause an accident) with extensive protection for your own vehicle, regardless of who is at fault in an incident. This makes it the most popular choice for UK drivers, particularly those with newer or higher-value vehicles.
The term "fully comprehensive" is often used interchangeably with "comprehensive" – they mean the same thing. Both describe the top tier of car insurance cover available.
A comprehensive car insurance policy typically includes:
Most comprehensive policies also include:
Many insurers offer additional cover you can add to a comprehensive policy:
Even with comprehensive cover, there are exclusions to be aware of:
According to the Association of British Insurers, the average comprehensive car insurance premium in the UK is around £635 per year, though this varies significantly based on:
For most drivers, comprehensive insurance offers excellent value:
Surprisingly, comprehensive insurance is often cheaper than third party cover, particularly for experienced drivers with good records. This happens because:
The key takeaway: always compare actual quotes rather than assuming third party is cheaper. You might find comprehensive cover costs the same or even less.
With comprehensive insurance, you'll have an excess – the amount you pay towards any claim. This typically has two parts:
Choosing a higher voluntary excess reduces your premium but increases your out-of-pocket cost if you claim. For example:
Select an excess amount you could comfortably afford to pay if you needed to claim.
Premiums can vary by hundreds of pounds between insurers for identical cover. Comparing quotes from 130+ insurers ensures you see the full market and find the best price.
Installing approved alarms, immobilisers, or tracking devices can reduce premiums. Parking in a garage or on a private driveway is also cheaper than on-street parking.
Lower annual mileage reduces your premium. If you drive less than 7,000 miles per year, make sure this is reflected in your quote.
Before buying a car, check its insurance group. Small, reliable cars in groups 1-10 are significantly cheaper to insure comprehensively than high-performance models in groups 30-50.
Each claim-free year reduces your premium. After five years with no claims, you could a significant amount on your comprehensive insurance.
Ready to find comprehensive car insurance that offers excellent cover at a competitive price? Compare quotes from over 130 UK insurers in minutes. The comparison tool shows you prices, cover levels, and policy features side-by-side, helping you make an informed choice.
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd's insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Your no claims bonus lasts up to 2 years without insurance. Learn how to protect your NCD when selling your car or taking a driving break. Get proof before you cancel.
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Find answers to common questions about car insurance.
Fully comprehensive car insurance is the highest level of cover available for UK drivers. It protects you against damage to other people's vehicles and property, just like third party cover. But it also covers your own car if it's damaged in an accident, even if the accident was your fault. Comprehensive policies typically include protection against theft, fire, vandalism, and weather damage too.
A comprehensive car insurance policy usually covers third party liability, accidental damage to your own vehicle, theft, fire damage, vandalism, and weather-related damage like floods or storms. Most policies also include windscreen repair or replacement, personal accident benefits, and limited cover for personal belongings stolen from your car. Some insurers include European driving cover as standard.
Not always. In many cases, fully comprehensive car insurance can cost the same or even less than third party only cover. This is because insurers see drivers who choose comprehensive policies as lower risk. They're protecting an asset, which suggests more careful driving. Always compare actual quotes rather than assuming third party will be cheaper.
Even with comprehensive cover, there are exclusions. Your policy won't cover you if you're driving under the influence of alcohol or drugs. Deliberate damage to your own vehicle isn't covered, nor is general wear and tear or mechanical breakdowns. Driving for business purposes usually isn't included unless you've added it to your policy. Always check your policy documents for the full list of exclusions.
Third party fire and theft insurance covers damage you cause to others, plus theft and fire damage to your own car. Fully comprehensive cover includes all of this, plus accidental damage to your own vehicle regardless of who was at fault. Comprehensive also typically covers vandalism, weather damage, and windscreen repairs. For drivers with cars worth more than a few thousand pounds, comprehensive usually offers better value.
Yes, most car finance agreements require you to have fully comprehensive car insurance. This applies to PCP, HP, and lease agreements. The finance company has a financial interest in your vehicle until it's paid off, so they need to know it's protected against damage, theft, and write-offs. Check your finance agreement for specific insurance requirements.
Excess is the amount you pay towards any claim on your comprehensive policy. There are two types. Compulsory excess is set by your insurer and is usually between £100 and £300. Voluntary excess is an amount you choose to pay on top of that. Choosing a higher voluntary excess lowers your premium, but means you pay more if you need to make a claim. Pick an amount you could comfortably afford.
Not automatically. Driving other cars cover, known as DOC, used to be a common feature but most insurers have removed it from standard policies. If your policy does include it, you'll typically only have third party cover when driving someone else's vehicle. Never assume you're covered to drive another car. Check your certificate of motor insurance to see exactly what's included.
There are several ways to reduce your comprehensive car insurance premium. Comparing quotes from multiple insurers is the most effective way to find a better price. You can also increase your voluntary excess, improve your car's security with an approved alarm or tracker, reduce your annual mileage, and build up your no claims bonus. Parking in a garage or on a private driveway can also help lower your quote.
Brumble connects you with a comparison tool that searches over 130 UK car insurance providers in minutes. Simply enter your details once and you'll see comprehensive car insurance quotes from a wide panel of insurers. The results show you prices and cover levels side by side so you can make an informed choice. The service is free to use with no obligation to buy.
At Brumble, we cut through the gimmicks and focus on what matters – real quotes from trusted insurers via our partner platform, so you can quickly find the best value cover for your needs.
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Compare 130+ UK car insurance providers instantly. You could find cheaper cover in minutes.
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