There are three different types of car insurance cover:
• Third party insurance is the minimum level of cover legally required to drive on the UK’s public roads. It covers injuries caused to others and any damage to their vehicles. The cover includes passengers in your vehicle and other people’s, but does not cover you or your car.
• Third party, fire and theft policies cover the above, but also include damage caused by a fire or car theft.
• Fully comprehensive insurance offers the highest level of cover available, including damage to yourself, your vehicle, other people, and their vehicles. This type still covers you even if you’re found to be at fault in an accident.
You can choose extras as well, such as breakdown cover. But, adding extras will increase the price of the policy.