When taking out a car insurance policy there are three types of cover that you can select one is third party, and third party fire and theft, and the other is a fully comprehensive car insurance policy.
Third party cover is the lowest type of car insurance cover you can take out and is refereed to as just third party. This type of insurance covers damage to other vehicles and property. Cover for injuries to other cars and their passengers, and accidents caused by passengers. This type of cover is really only bought by motorists how can’t afford the comprehensive car insurance policy, a good option for young drivers or someone who is driving an old banger that is not worth very much money.
Third party, fire and theft car insurance provides protection if the car is in a fire or theft has taken place on your vehicle and it is found not to be your fault. Under the policy terms and conditions you’re the insurance company would not pay for the repairs to your vehicle. Again this type of policy is good for younger drivers who may find a comprehensive policy too expensive.
A fully comprehensive car insurance policy is the best form of insurance cover and protects the vehicle and passengers. Regular drivers who have an expensive vehicle will in most cases chose this type of policy. It covers accidental damage to your vehicle, personal accident benefit and medical expenses. Plus any loss or damage to personal items that are in the vehicle.
It is worth noting that not all fully comp car insurance is the same and you should read the policy terms and conditions carefully before taking out a policy. Some policies include breakdown cover; protected no claims bonus and a courtesy car and some do not. To get some of these features you will have to pay extra. You should compare Churchill car insurance for a good deal!
I hope you have found these definitions useful and can now choose a car insurance policy that is right for you.