Comprehensive car insurance is the highest level of protection that you can get for your passengers, your vehicle and yourself. Car insurance is a legal requirement of driving a car on UK roads, to ensure the protection of all road users. However, you do have a number of options to choose between when insuring your car, with varying degrees of protection. The lowest level of cover, and therefore the cheapest of these options is third party car insurance. This will only cover damage done to other people's vehicles and property, and cover (usually unlimited) for causing accidental injury or death to other people.
Comprehensive car insurance, which is the most popular type of car insurance in the UK, covers you for these eventualities and many others. For example, if your car is stolen, or damaged through vandalism, a flood or accident, your comprehensive car insurance would cover you fully to have the car repaired or replaced. There would also usually be a courtesy car provided until yours was back on the road again. Although cover will vary from policy to policy, cover for medical expenses and the loss or damage of your belongings would usually be included as standard. Despite the fact that comprehensive car insurance is sold in order to cover every possibility, there may be restrictions in your policy that affect the level of cover that you receive and therefore it is really important to check the small print of the policy before signing up.