Online Auto Insurance – Quotes Comparison, Find Cheap Rates, Buy Car Insurance Policy Online, comprehensive car insurance comparison.#Comprehensive #car #insurance #comparison


Online Auto Insurance

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Comprehensive car insurance comparison

Operated by Online Auto Insurance ™

Using the Internet to compare quotes side-by-side allows consumers to quickly pinpoint the insurers offering cheap auto insurance rates for the coverage desired. Instead of calling around or visiting individual websites for quote comparisons, complete one single questionnaire and instantly get back a rate from multiple quality companies such as Progressive, 21st Century, GMAC, Infinity, Unitrin and more, all at the same time! Watch the video to view the process.

Pay Monthly

Comprehensive car insurance comparisonChoose monthly auto insurance payments and learn about no down and low down payment options. Paying month to month instead of every 6 or 12 months plus a low start up cost makes it more affordable for many people on a budget by reducing the amount needed to get insured.

Cheap Companies

Comprehensive car insurance comparisonThe only way to find cheap car insurance companies is to compare rates. There is no such thing as the cheapest company for all. Each one of us has to search to see which will be cheaper for us individually. Understanding how the rating process works and which factors impact premium is an important part of the shopping process.

Coverage Recommendations

Comprehensive car insurance comparisonThe recommended coverage is one which is affordable and protects an insured s investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured s legal liability as a result of automobile accidents.

Top Rated Companies

Comprehensive car insurance comparisonWho are the top 10 car insurance companies? Learn the facts about the best rated company and what is used to determine ratings such as financial strength which indicate the stability and ability of a carrier to pay out their obligations. A rating can be valuable when it comes to choosing the right insurer.

High Risk Drivers

Comprehensive car insurance comparisonGet high risk auto insurance quotes from companies best for drivers with a record, including accidents and/or tickets or inexperienced drivers, such as teenagers, who may be considered a higher risk. Although bad driving records do affect premiums, there are insurers out there who specialize in the non standard (risky) market and can offer more affordable rates.

Get Quotes Without Personal Information

Comprehensive car insurance comparisonNo personal information, such as social security or driver s license numbers, is required for auto insurance quotes. Choose not to provide personal info to protect your privacy. Only basic data about vehicles and drivers is required and providing personally classified data is optional.

No License

Comprehensive car insurance comparisonGet car insurance without license through certain carriers who s underwriting guidelines permit it. Those with no drivers license, out of country (international) license and even identification cards from other Countries, such as the Matricula Consular issued by Mexico, may be eligible for coverage.

Cheap Rates for Young Drivers

Comprehensive car insurance comparisonA teenage or youthful driver should take a different approach when searching for the cheapest possible rates since their inexperience may have a negative impact on the price of insuring. Learn how a teen can save by comparing prices from a variety of insurers and by taking advantage of all possible discounts such as the good student discount .

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Comprehensive car insurance comparison


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Accidents, vehicle theft and breakdowns can happen when you least expect it. How would you afford the costs of replacing or repairing your car, or pay for the damage to someone else’s vehicle? A Car Insurance policy could assist with paying these costs. Hippo.co.za compares a range of insurance providers in South Africa that offer coverage tailored to your specific needs.

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Car Insurance Guide

More About Car Insurance

Statistics have shown that out of 10 million motorists on South African roads, 65% are uninsured. The financial risk of being another statistic is too great to chance! Imagine being responsible for the costs of an accident – whether it’s your fault or not! Rather enjoy peace of mind by getting car insurance that will cover you in these situations. Hippo.co.za will help you to find the best deal on your car insurance.

Simply enter a few details into our online car insurance quote form and Hippo will instantly compare a range of different insurance brands, their prices and benefits, to make it easy for you to find the right insurance quote to fit your needs. Once you have found the deal for you, simply click on “I’m Interested” and your chosen insurer will get in touch. Simple.

Comprehensive Car Insurance

Comprehensive Car Insurance provides cover for just about any form of financial loss related to your vehicle. This is the most extensive form of Car Insurance and provides cover for damage caused to other parties and their property in the event that you are responsible for an accident. Comprehensive Car Insurance also covers you for damage to your vehicle caused by accidents, fire and natural disasters, and provides cover for theft and hijacking. Learn more with our Comprehensive Car Insurance Guide.

Third Party Fire and Theft Car Insurance

Third Party Fire and Theft Car Insurance provides cover for damage caused to other parties and their property in the event that you are responsible for an accident. Third Party Fire and Theft Car Insurance also covers the cost if your car is stolen or damaged in the event of a hijacking, theft or fire.

Third Party Only Car Insurance

Third Party Only Car Insurance offers a basic and more affordable form of cover for your car by covering the damages that you have caused to other parties and their property in the event that you are responsible for an accident. Third Party Only Car Insurance does not provide cover if your vehicle is damaged or stolen. Learn more with our Third Party Car Insurance Guide.

Car Insurance for Under 25s

If you are younger than 25 years of age and you’re looking to purchase Car Insurance you will soon find out that your age plays a big role in how companies assess your risk, and ultimately your premium.

How to Make a Car Insurance Claim

If you’ve recently been in accident, or would like to know how to make an accident-related claim on your Car Insurance for future reference, here’s all you need to know.

Car Insurable Values

Find out the difference between retail value, market value, trade value, and agreed value. You can insure your car under four different value options, and this could affect the premium you pay.

How excess affects your Car Insurance premium

Excess refers to a fixed amount that you have to pay if you make a Car Insurance claim. Hippo.co.za explains how excess influences your Car Insurance premium.

The difference between personal and business vehicle use

When comparing Car Insurance quotes, it is important to determine whether the vehicle that you’re looking to insure will be used for personal travel or for business-related purposes.

Motor Vehicle Insurance FAQ

We’ve put together a comprehensive list of FAQ’s to help you find out more about car insurance so that you can make more of an informed decision on finding the right cover to suit your individual needs.

Vehicle Insurance Glossary

Learn more about insurance jargon and some of the day-to-day terms used within the insurance industry. We hope this will help you further to choose from the best vehicle insurance quotes from a range of the best car insurance companies in South Africa using Hippo.co.za.

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Top 10 Car Accessories to Have

Whether you re new to the world of owning your own motor vehicle and having both the responsibility and freedom that it .

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Rugby fans often debate about the greatest legends of SA rugby. With rugby fever currently running high, the debate will.

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Upcoming Car Shows in 2015

You re already watching Ignition religiously on DStv, while Top Gear magazine has become your very own motoring Bible – .

Why do I need Car Insurance?

Car Insurance covers you in the event that your vehicle injures another person or damages their property. Without Car Insurance, you could be left to cover the costs should you be responsible for an accident.


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Car insurance basics

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Besides protecting you financially, car insurance is a social responsibility. Driving without insurance or the ability to pay for the damages you cause in an accident puts others at financial risk.

All states except New Hampshire require car owners to prove they have the financial ability to cover liability costs if they cause an accident, and most require they do so by carrying auto insurance. New Hampshire requires drivers to prove financial responsibility after an accident.

An auto insurance policy contains six main types of coverage. Depending on where you live, some are required and some are optional.

Comprehensive car insuranceCar insurance is comprised of the following coverages:

  1. Bodily injury liability
  2. Property damage liability
  3. Medical payments (MedPay) or Personal Injury Protection (PIP)
  4. Collision
  5. Comprehensive
  6. Uninsured/Underinsured motorists coverage (UM/UIM)
  7. Extras, like roadside assistance

When people talk about having full coverage they generally mean having liability, collision and comprehensive.

Let s look at each coverage type and help you figure out if you need them.

Liability insurance

Liability coverage pays for the damage you do to others. It s written as three numbers, such as 20/40/10. That translates to $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident and $10,000 in property-damage coverage per accident.

It also pays for your legal bills if you cause an accident.

Bodily-injury liability will pay for others medical bills and lost wages when an accident is your fault, except in no-fault states, where your own Personal Injury Protection (PIP) coverage would pay for your injuries.

Property-damage liability pays to repair or replace property that you destroy. This includes other cars or property, such as fences.

States have set minimum limits of car insurance you must buy, but you may find them woefully inadequate. If you cause a major accident you ll quickly exhaust your limits and be personally on the hook for the rest.

If you cause $65,000 worth of damage and have an insurance limit of $40,000, you’re responsible for the remaining $25,000 and could be sued for it.

Liability insurance has no deductible.

Collision and comprehensive insurance

Unlike property-damage liability, collision coverage pays to repair your own vehicle in the event of an accident. Your collision claim check will be reduced by the amount of your collision deductible.

Comprehensive car insuranceYour car is considered “totaled” when the repair costs exceed a certain threshold of the car’s value, such as 70 percent. At that point, the insurance company will tow away the car to the salvage yard and offer you the actual cash value of your car, minus the deductible.

To keep your premium costs down when you buy collision coverage, you can raise your deductible. The higher your deductible, the lower your premium. But remember, you’ll have to pay that amount out of your pocket.

Comprehensive coverage pays for damage to your car that isn’t due to car accidents. That includes theft, fire, vandalism, natural disasters and collisions with animals (such as hitting a deer). Damage to your windshield may be covered under your comprehensive coverage as well. In some states, comprehensive coverage includes glass repair and replacement with no deductible, but it varies from state to state. Ask your agent about the specifics when you purchase your policy.

While neither collision nor comprehensive coverage is required by any state, your lender (if you are financing your car) may require that you carry this coverage until you have paid for your car in full. After your car is paid off, you can drop collision and comprehensive, although you may want to maintain the coverage to protect your own investment in the vehicle.

Medical Payments and Personal Injury Protection

Medical payments (called MedPay) coverage pays for the medical expenses suffered by you and your passengers after an accident. You’re also covered for injuries if you’re driving someone else’s car or from injuries suffered if a car hits you. MedPay will pay no matter who caused the accident, although if someone else is at fault your insurer may seek damages from the other party.


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Comprehensive Car Insurance Comparison

Comprehensive Car Insurance is like your best friend – there when you need it.

A Comprehensive policy is full-spectrum protection for your car. It covers accidental damage, theft and fire, as well as third party damage if you re at fault.

To help you decide if it’s the right type of cover for you, here s a closer look at what Comprehensive Car Insurance is and how it works to protect you.

How to find the right Comprehensive Car Insurance?

Comprehensive Car Insurance offers complete cover for your vehicle. It provides financial protection for your car in the event of:

• Collisions: It pays for the cost of repairing or replacing your car plus any third party damages.

• Accidental damage: It covers you for accidental mishaps, such as driving into your mailbox or garage.

• Severe weather damage: It pays for damage due to floods, storm damage, fire and more.

• Theft and vandalism: It covers you for malicious acts, including theft, vandalism and riots.

• Third party property damage: It can provide legal liability coverage usually of up to $20 million.*

Most comprehensive policies allow you to choose either an agreed or market value for your car.

Unlike market value, which is the current estimated value of your vehicle at the time of damage, the agreed value is a set amount. So, while the market value of your vehicle can change, the agreed value will stay the same until you renew your policy.

What are the benefits of comprehensive car insurance?

Along with the coverages already mentioned, comprehensive policies often come with a wide range of optional benefits, including:

• Cover for emergency repairs, towing and roadside assistance.

• Windscreen protection, hire car reimbursement and lost key replacement.

• Cover for extras such as alloy wheels, custom sound systems and other modifications.

• New replacement car if your new car (this usually means less than two years old) is a total write-off.

• The ability to change your excess, choose your own repairer and more.

Some of these options will come at an additional cost. Depending on your circumstances, you may also qualify for additional discounts on your policy, including no claim bonuses, safe driver and seniors discounts, and discounts for bundling multiple car policies together.

Do I need comprehensive car insurance?

If your car got damaged in an accident, could you afford to fix or replace it yourself? If not, knowing you have Comprehensive Car Insurance could be a weight off your mind.

We can help you choose the right car insurance policy

If you’re searching for the right policy, keep in mind that every provider is unique.

The good news is iSelect can quickly and easily help you compare and understand all of your different options. Our consultants have the advice and experience to help you find a suitable policy and best of all, it won t cost you a cent.

If you re ready to find a great comprehensive policy, use iSelect’s car insurance comparison tool for a quick and easy online quote. Or call iSelect HQ on 13 19 20 and let one of our consultants help you find the right policy.


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Comprehensive Car Insurance Comparison

Comprehensive Car Insurance is like your best friend – there when you need it.

A Comprehensive policy is full-spectrum protection for your car. It covers accidental damage, theft and fire, as well as third party damage if you re at fault.

To help you decide if it’s the right type of cover for you, here s a closer look at what Comprehensive Car Insurance is and how it works to protect you.

How to find the right Comprehensive Car Insurance?

Comprehensive Car Insurance offers complete cover for your vehicle. It provides financial protection for your car in the event of:

• Collisions: It pays for the cost of repairing or replacing your car plus any third party damages.

• Accidental damage: It covers you for accidental mishaps, such as driving into your mailbox or garage.

• Severe weather damage: It pays for damage due to floods, storm damage, fire and more.

• Theft and vandalism: It covers you for malicious acts, including theft, vandalism and riots.

• Third party property damage: It can provide legal liability coverage usually of up to $20 million.*

Most comprehensive policies allow you to choose either an agreed or market value for your car.

Unlike market value, which is the current estimated value of your vehicle at the time of damage, the agreed value is a set amount. So, while the market value of your vehicle can change, the agreed value will stay the same until you renew your policy.

What are the benefits of comprehensive car insurance?

Along with the coverages already mentioned, comprehensive policies often come with a wide range of optional benefits, including:

• Cover for emergency repairs, towing and roadside assistance.

• Windscreen protection, hire car reimbursement and lost key replacement.

• Cover for extras such as alloy wheels, custom sound systems and other modifications.

• New replacement car if your new car (this usually means less than two years old) is a total write-off.

• The ability to change your excess, choose your own repairer and more.

Some of these options will come at an additional cost. Depending on your circumstances, you may also qualify for additional discounts on your policy, including no claim bonuses, safe driver and seniors discounts, and discounts for bundling multiple car policies together.

Do I need comprehensive car insurance?

If your car got damaged in an accident, could you afford to fix or replace it yourself? If not, knowing you have Comprehensive Car Insurance could be a weight off your mind.

We can help you choose the right car insurance policy

If you’re searching for the right policy, keep in mind that every provider is unique.

The good news is iSelect can quickly and easily help you compare and understand all of your different options. Our consultants have the advice and experience to help you find a suitable policy and best of all, it won t cost you a cent.

If you re ready to find a great comprehensive policy, use iSelect’s car insurance comparison tool for a quick and easy online quote. Or call iSelect HQ on 13 19 20 and let one of our consultants help you find the right policy.


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Car Insurance Quotes

Benefits Of Quick Quote

  1. Our online process only take 60 seconds to complete
  2. You will receive a variety of car insurance quotes, collated by our expert insurance brokers, from trusted insurance companies
  3. Your short term insurance policy will be reviewed annually, on your behalf, to ensure you are still getting the most value for your money

What Is Car Insurance?

Ask yourself these questions:

  • What would I do if I was involved in a car accident?
  • How would I pay for the damages done to my car and to that of the other car?
  • Do I have large sums of money immediately available to pay for the costs involved?
  • What would I do if my car was stolen?

If you are unable to answer any of the above, motor insurance is your answer!

Your car insurance company is who you call when you are involved in an accident. They pay for any repairs and damages incurred on your car, and the other car, during a collision. Furthermore, should you encounter the awful experience of having your car stolen, your car insurance company will cover the cost of a new vehicle.

Did you know that there are 1.4 million uninsured cars on South Africa’s roads? Fortunately, when it comes to the responsibility of having car insurance, CompareGuru transforms the lousy process of getting budget car insurance to a simpler and faster acquisition.

Process Of Quick Quote

  1. Fill in your basic personal and vehicle details online
  2. Receive a suggested quote range based on your information
  3. Request a call-back by selecting a preferred day and time
  4. OR complete our ‘accurate quote’ process with further details
  5. One of our expert brokers will be in touch to help you save on your insurance

Save By Combining Policies

Did you know that you can stand to save up to 30% on your combined monthly car and home insurance premiums? Chat to our expert brokers today about taking out a combined policy in order to save.

Different Types Of Car Insurance

1. Third Party Car Insurance

When looking for cheap car insurance, it is important to consider whether or not you are only interested in covering the damages inflicted on the other car or person. Third Party is the cheapest, as you are only paying for the expenses of the other person’s medical and car damages, and none of your own.

2. Third Party, Theft, And Fire

If your main concern is someone stealing your car, or it being set alight, then this type of car insurance is what you need. It also covers any damages to a third party, or their car, in the event of an accident.

3. Comprehensive Car Inurance

This type of motor insurance gives you the best of both worlds; coverage includes Third Party, Theft, and Fire, as well as damages to your own car and your medical expenses. Comprehensive is the recommended car insurance package as it not only covers your expenses and prevents you from being in debt following an accident, but your vehicle will also be replaced, if it is written off.

How Does Car Insurance Benefit You?

Driving everyday means you not only put yourself at risk, but also the lives of others around you. Undoubtedly, with the amount of accidents on South African roads, there is no way to guarantee that you will never cause an accident, or never be involved in one.

With Comprehensive Car Insurance you will have a certain degree of confidence knowing that you are financially covered for any damages incurred to your car or a third party.

With car insurance, you have the peace of mind knowing that you will always be covered when it comes to replacing or repairing your car.

It Covers More Than Just You

Having motor insurance covers more than just you and your car, it also protects your spouse’s and other dependents’ cars, as well as any possible third party involved in an accident.

How Do I Apply

Finding the right short term insurance can take time, which you might not have. CompareGuru will help you find comparable insurance quotes that are tailored specifically to your needs.

By submitting your basic personal and vehicle information, you will receive a call from one of our expert brokers who will finalise all the details with you.

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More About CompareGuru

You can instantly set your mind at ease with our fantastic comparative insurance quotes. Our independent and transparent side-by-side comparisons will show you the best insurance quotes available in South Africa. Whether you need car insurance, warranty insurance, or home insurance, CompareGuru will be able to find you the best value for money. We also offer fantastic options for funeral insurance, medical insurance, hospital insurance, life insurance and legal insurance.

Our online insurance quotes are comprehensive in detail and each quote is specific to your personal circumstances. We bring you great insurance quotes for car, home, and building insurance from leading insurers such as ABSA, Auto General, and Santam. Receive the latest New National, Vir Seker, and 1st For Women quotes so you can find the best insurance quote. We also compare insurance quotes from Oakhurst and Unity insurers.

We will capture your personal information and redirect you to our trusted licensed authorised financial services providers who will guide you through the quote process. CompareGuru makes obtaining insurance much easier with quick comparisons of quotes from leading insurance companies. We strive to compile and compare the most affordable and comprehensive insurance options to give you value for your money. Each quote is tailored to your needs, your budget, and your personal circumstances.

Life insurance and medical insurance are essential to maintaining the welfare of your family. Life insurance offers financial relief to your family in the event of your death. Medical cover will ensure you have the financial support for daily medical expenses. Funeral insurance puts your family at ease with a lump sum pay out to cover funeral expenses in the event of your death. Home insurance brings a peace of mind to know your family’s home is safe and covered. You can now defend yourself with qualified and expert lawyers with affordable Legal insurance. A comprehensive hospital plan will help your family financially when they are hospitalised.

You can save the structure of your home without the financial burden with comprehensive Building insurance. Avoid paying for the fender bender when you buy comprehensive Car insurance. The only thing that should be on your mind while travelling is the wondrous adventure that awaits you, that is why you should allow CompareGuru to remove the hassle and stress from finding travel insurance.


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Discover Which Car Insurance is Best for Your Motor Cover Needs

  Get a quote

It doesn’t matter how big an insurance company is or how many people they insure, if they can’t provide you with the best possible car insurance package at the lowest possible cost for your specific needs, what good are they to you?

At Bestquote, you’re what matters – when you’re buying car insurance, when you’re driving across Ireland, and most importantly, when you need your motor cover due to theft, because of a breakdown or when you’ve had a road accident.

Most car insurance policies are unique and in order to prepare the best quote for your specific insurance needs, please call us directly at 0818 223 223 or complete a car insurance quote online now.

Bestquote – The Final Word on Irish Car Insurance

Bestquote is eager to save you money on your motor insurance whether you choose third-party cover, third-party, fire and theft cover or comprehensive car insurance policies in Ireland. You don’t even have to compare car insurance, just call us at 0818 223 223 and we’ll give you the Bestquote treatment – offering every discount available to you while making sure you have the coverage you need. That’s why we’re the final word on Irish car insurance.

  • Get car insurance cover in minutes
  • Bestquote compares motor insurance from top insurers in ireland

Get a car insurance quote or call us at 0818 223 223 now for exceptional customer service and truly affordable car insurance in Ireland.


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Get Comprehensive Insurance from Nationwide for Extra Protection on the Road

Avoiding car accidents is one way to stay safe in your car – but what about accidents other than those involving another vehicle? Comprehensive insurance can provide you with an extra level of coverage against these types of mishaps. Read on to learn basic information about what it is and what it covers – and start your free online quote today.

What is comprehensive insurance?

Comprehensive insurance is a core auto insurance coverage that helps you prepare for the unexpected. It is typically purchased in addition to the liability insurance that’s required by most states to drive legally.

What does comprehensive insurance cover?

Comprehensive car insurance coverage pays for damage caused by covered events other than a collision with another vehicle, such as vandalism or hail damage. Without comprehensive insurance, you may have to pay to repair these kinds of damages to your car, which can outweigh the price of your policy.

A comprehensive car insurance policy may include coverage for:

  • A cracked or broken windshield, depending on the state in which you live
  • Damage from hitting a deer or other animal
  • Car theft insurance in the event your vehicle is stolen or damaged by covered car vandalism
  • Damages caused by some events outside of human control, such as hail or other natural disasters
  • Damage caused by certain falling objects, such as tree branches or debris
  • Damages resulting from fires, civil commotions or explosions

Add endorsements to your comprehensive auto insurance for even more protection

It’s easy to customize your comprehensive insurance policy with a variety of endorsements, all designed to make your life easier, such as:

Adjust your comprehensive car insurance to fit your needs

Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage. new car replacement coverage or vehicle value upgrade. These coverages offer extra protection for newer cars.

You have more options when selecting your comprehensive coverage deductible amount, which is the amount of money you pay before insurance kicks in. To lower your comprehensive car insurance rate, you can choose to have a high deductible, such as $1,000. However, you need to make sure you can pay that amount out of pocket if you have to file a claim. A lower deductible might increase your rate, but it will cover more of your costs in the event of a covered accident.

For information about Nationwide insurance options types besides comprehensive insurance, view all our auto insurance coverage types.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.


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Comprehensive Insurance

Should You Buy Comprehensive Insurance?

In most states, comprehensive insurance is not an option for leased or brand new vehicles, as the lender will require comprehensive insurance coverage as part of the sale or lease contract. Comprehensive insurance on older vehicles requires careful consideration of the pros and cons before buying an auto insurance policy.  Purchasing comprehensive coverage in addition to liability coverage means you will pay a higher monthly premium, but it also has many benefits that are worth considering.

Auto Insurance Basics

Liability insurance  covers injury to you or other injured persons in an accident, and a minimum amount of this type of auto insurance coverage is required in all states. Your state’s Department of Motor Vehicles website will provide details on the necessary requirements. Full coverage insurance covers damage to your vehicle, and is your protection against monetary loss should you be involved in an accident. Full coverage insurance is a combination of two commons types of physical damage coverage: collision and comprehensive.

  • Collision insurance  covers damage to your car when it hits or is hit by another vehicle or object. Coverage pays the costs to repair or replace your vehicle less a deductible you choose. For example, if you choose a deductible of $1,000 and your car sustains damages totaling $2,500, you pay $1,000 and your insurance company pays $1,500.  It is recommended to pay as high a deductible as you can comfortably afford in order to lower your monthly premiums.
  •  Comprehensive insurance covers your vehicle, and in some cases other vehicles you may be driving, for damages due to incidents other than collision. Covered incidences include theft, fire, flood damage or animals (i.e. you hit a deer). Like collision, comprehensive coverage pays the costs to repair or replace your vehicle less a deductible you choose. Paying a higher deductible means lower monthly premiums.

Should you buy collision and comprehensive insurance?

If you have payments on your current leased or financed vehicle and are involved in an accident, you will likely find yourself without a vehicle to drive while owing the full balance on your vehicle if you do not purchase collision and comprehensive insurance. If you are not financing your car, you should take into account the value of the vehicle you drive. If you could easily replace the vehicle after an accident, full coverage insurance may not be necessary. If the car has value, or you would be unable to purchase a new vehicle after an accident, collision and comprehensive insurance could give you the peace of mind you need.

Things to take into consideration when contemplating buying comprehensive insurance:

  • Your car’s condition and value
  • Use of the vehicle
  • Your financial ability to replace or repair damages after an accident
  • If payments are being made, your contractual obligations to the lender

If comprehensive coverage is an option for you, request a free quote with no obligation whatsoever. Within minutes you can review your quotes and decide which auto insurer to work with to determine the best coverage for your needs.


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Comprehensive car insurance

Compare comprehensive car insurance from multiple brands to get the right deal

Key points


  • A comprehensive policy will cover you for injury to others (including passengers), damage to third party property, liability whilst towing, fire damage, theft and loss or damage to your vehicle
  • While comprehensive car insurance offers more extensive cover than third party options all policies will differ, so compare product features and be aware of ‘stripped back’ policies
  • Choosing a comprehensive policy isn’t always more expensive than buying a third party one
  • Don’t assume you’re covered to drive other cars if you have a comprehensive policy

While all policies vary and you always need to read your terms and conditions, choosing fully comprehensive car insurance should deliver a high level of cover for unfortunate motoring incidents.

It provides third party cover for claims made against you for injuries to other people, including passengers, as well as damage to other cars or property.

A comprehensive policy will also insure your vehicle against theft, fire and accidental damage.

Many fully comprehensive policies have additional benefits, such as providing a courtesy car whilst yours is in the garage, paying for medical treatment following a road accident, covering the theft of extras such as sat-nav systems and/or paying to repair damaged windscreens.

Bear in mind that some so-called comprehensive policies may be ‘stripped back’ policies offering a level of cover that you may consider rather basic.

Even if you’ve requested comprehensive cover, you should always take time to look at the terms of a particular policy.

Gocompare.com was built on the principle of helping you review policy features as well as price and we also use Defaqto star ratings to further distinguish the options you see in our quotes process.

Is fully comprehensive car insurance essential?

It’s a legal requirement in the UK to have car insurance. but it doesn’t have to be fully comprehensive.

So long as a driver has basic car insurance, he or she should be covered for damage caused to another person, vehicle or property.

However, third party policies will not cover you or your car in the event of an accident and don’t include many of the extras that can make life a lot easier if the worst happens.

What other types of car insurance are there?

Other car insurance options include third party only and third party, fire and theft. Not all car insurers offer third party only options, which are the most basic type of cover.

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Some motorists believe that third party, or third party, fire and theft, are always the cheapest options. While this may often be true, you should be aware that this isn’t always the case.

One of the reasons for this is that third party options tend to attract more high-risk drivers, meaning that insurers see statistics showing them that third party policies are a high risk.

Comprehensive cover can sometimes cost about the same as, or even less than, third party, fire and theft. This means that a driver who opts for third party, fire and theft could be paying just as much as someone with a comprehensive policy, but they’ll have less cover.

If you’re looking to save money on comprehensive car insurance. there could be better ways.

Should you choose to use Gocompare.com’s comparison service, you’ll be presented with the clear option of whether you want to consider comprehensive policies, third party only, or third party fire and theft.

Another option is one of the most innovative products on the market, telematics car insurance. a policy that bases the premium you pay on the way that you drive. Gocompare.com’s quotes service offers the opportunity to compare telematics policies against more traditional products.

Can I drive other vehicles if I have comprehensive car insurance?

Motorists often assume that, if they have their own comprehensive car insurance, they’re covered third party to drive anybody else’s car.

But this isn’t necessarily the case and you should always check your policy or contact your insurer before driving another vehicle – read more in our article on cover to drive other vehicles .