We compare car insurance quotes from 110+ companies...
Wide variety of insurance options available to help you find a suitable policy
We've served thousands of policies to thousands of happy customers.
Price Comparison Market
10+ years experience in the Price Comparison Market.
Car Insurance Companies
We'll display quotes from 110+ car insurance companies.
Comprehensive car insurance, also known as fully comprehensive car insurance, is a type of insurance
offers the highest level of cover for vehicle owners. Unlike third-party insurance, which only covers
other vehicles and third-party property, comprehensive car insurance also covers damage to your own
What are the Basics of Comprehensive Car Insurance
Comprehensive car insurance policies provide cover for accidental damage, theft, and fire incidents. They
include protection for personal injury, legal costs, and additional security for theft or vandalism of
In addition, comprehensive car insurance policies can cover uninsured driver claims, ensuring you are
protected even if the other party involved in an accident is not insured. Furthermore, these policies can
optional extras such as legal protection and a courtesy car, providing additional peace of mind for
Why Should I Choose Comprehensive Car Insurance
The key benefits of comprehensive car insurance include peace of mind, as it offers the highest level of
available. With comprehensive insurance, you can have confidence knowing that you are protected against a
of incidents, including damage to your vehicle, theft, fire, and accidental damage.
Comprehensive car insurance policies also provide cover for personal injury and legal costs, taking care
potential legal expenses that may arise from an accident.
Additionally, comprehensive car insurance often includes cover for overnight accommodation in case of a
as well as new car replacement if your vehicle is written off within a certain time frame. Some policies
cover the cost of child car seats in the event of a claim, ensuring the safety of your little ones.
What Is Typically Covered and Not Covered by Comprehensive
What's Typically Covered:
Third-Party Damage: Covers damage to other cars in an accident.
Fire Damage: Protection for your car in case of fire.
Theft: Coverage for theft of your vehicle.
Repair Costs: The full cost of repairing your car after an accident.
Injury Liability: Covers injury to other people in accidents involving your
Flood Damage: Protection against damage caused by flooding.
What's Typically Not Covered:
Carelessness-Related Theft: Theft due to negligence, such as leaving keys in the
Influence of Substances: Damage or injuries caused while driving under the influence
of alcohol or drugs.
Invalid Driving Licence: Incidents occurring while driving without a valid
General Wear and Tear: Regular deterioration from usage is not covered.
Other People’s Cars: Using your policy to drive a car other than your own.
It's important to read the specific terms and conditions
of your comprehensive car insurance policy to understand what is and isn't covered. Each policy might
unique inclusions and exclusions.
Features and Benefits of Cheap Comprehensive Car Insurance
Cheap comprehensive car insurance covers damage to your vehicle, third-party vehicles, and third-party
provides protection for personal belongings and legal costs, ensuring you are financially covered in case
damage or legal claims. This type of insurance also covers accidental damage, theft, and vandalism,
comprehensive protection for your vehicle.
The Uniqueness of Cheap Comprehensive Car Insurance
What sets cheap comprehensive car insurance apart is its affordability, combined with a high level of
Despite the lower premiums, these policies still provide comprehensive motor insurance cover, ensuring you
protected against a wide range of incidents. In addition, cheap comprehensive car insurance policies may
optional extras, such as legal protection and a courtesy car, providing additional peace of mind at an
What Details Are Required for a Fully Comprehensive Car
Insurance Quote from Free Price Compare?
When obtaining a comprehensive car insurance quote from Free
Price Compare, particularly for new customers, the following information is typically required:
Personal Details: Provide your title, full name, and date of birth.
Contact and Employment: Your current address, age, and occupation.
Driving History: Any points on your driving licence and relevant conviction
Past Insurance Claims: Information about any insurance claims you've previously
Additional Drivers: If you wish to add other named drivers to the policy, their
details are needed.
Driving Licence Number: Essential for verifying your driving records.
No-Claims History: Information regarding your history of no-claims, if
Vehicle Details: The registration number, make, and model of the car you wish
Car Modifications: Any alterations or modifications made to the vehicle.
Annual Mileage Estimate: Your anticipated yearly driving mileage.
For returning customers of Free Price Compare, your details
may already be stored in their system. It's important, however, to verify and update these details to
they reflect your current situation accurately.
Fully comprehensive car insurance offers the highest level of cover for vehicle owners, providing peace
of mind in
any situation. Whether it's damage to your own vehicle, theft, fire, or a third-party claim, fully
car insurance has you covered. This type of insurance also includes protection for personal injury and
ensuring you are financially protected in case of any legal expenses. Furthermore, fully comprehensive car
policies may offer additional benefits such as breakdown cover and a courtesy car, providing extra
convenience when you need it the most.
The importance of Comparing Comprehensive Car Insurance Policies
It's essential to consider coverage, premiums, and optional extras. Assess the policy inclusions and
exclusions, making sure it covers your specific needs. Additionally, consider the insurer's
settlement ratio, and customer support, as these factors can greatly impact your experience. Look for
benefits such as new car replacement, legal protection, and no claims discount, which can provide added
Lastly, review the policy's terms, conditions, and renewal process to ensure it aligns with your
Common Mistakes to Avoid while Comparing Policies
When comparing policies, avoid solely focusing on premiums without considering the coverage. It's
understand the policy exclusions, limitations, and any additional costs for optional extras. Don't
the importance of the insurer's reputation and claim settlement ratio, as these factors can greatly
claims experience. Always review the policy documents, insurance product information document, and pricing
to fully understand what you are getting. Lastly, don't overlook policy renewal, no claims discount,
amount, as these can affect the overall cost and value of the policy.
What could affect the price?
There are several factors that can affect the price of comprehensive car insurance.
Insurance costs can be influenced by the annual mileage of a vehicle. Higher annual mileage may result in
insurance premiums, as it increases the risk of accidents and potential claims. Furthermore, business
which covers vehicles used for business purposes, may have different pricing structures compared to
Previous driving convictions can impact comprehensive car insurance premiums. Individuals with a history
convictions may be considered high-risk by insurance providers, resulting in higher premiums. It is
disclose any previous driving convictions when seeking insurance quotes to ensure accurate pricing.
Type of vehicle
The type of vehicle you drive can also affect comprehensive car insurance premiums. Factors such as the
model, and engine size of the vehicle can influence the pricing of the insurance policy. Generally, more
or high-performance vehicles may have higher insurance premiums due to the increased cost of repair or
Age and gender
Age and gender can be determining factors in comprehensive car insurance premiums. Younger, inexperienced
and male drivers, statistically more prone to accidents, may face higher insurance premiums. Insurance
follow legal requirements, which prohibits discrimination based on gender, but other risk factors
age and gender can still influence pricing.
Driving record and history
A clean driving record with no previous claims or accidents can positively impact insurance premiums. On
hand, a history of previous claims or driving offenses can result in higher insurance premiums, as it
higher level of risk for insurance providers. Maintaining a good driving record can help keep insurance
Location and driving habits
The location where a vehicle is typically parked and the driving habits of the owner can affect insurance
Vehicles parked in urban areas may face higher insurance premiums due to increased traffic, theft rates,
potential for accidents. Longer commutes may also increase insurance premiums, as they increase the risk
accidents and claims. Additionally, vehicles parked in secure, enclosed areas, such as a garage, may have
insurance premiums due to the reduced risk of theft or damage.
Reducing your comprehensive car insurance premiums is
possible with a few strategic choices:
Limit Your Mileage: Driving fewer miles decreases the risk of accidents,
potentially lowering premiums. Remember to provide an accurate mileage estimate.
Opt for Higher Voluntary Excess: Increasing your excess can reduce your premium, but
the excess is affordable for you in case of a claim.
Annual Payments Over Monthly: Paying your premium annually can be cheaper than
payments, which often include interest.
Tailor Your Coverage: Only pay for coverage you need. If you don't commute, you
might not need commuting cover. Also, avoid unnecessary add-ons if you have alternative coverage (like
Telematics Policies: These policies use technology to monitor driving habits,
which can lead to lower premiums, especially for new or young drivers.
Avoid Modifications: Car modifications, especially those enhancing performance,
can increase insurance costs. Stick to the manufacturer's specifications where possible.
Enhance Car Security: Installing approved security systems like alarms and
immobilisers can deter theft and may lead to lower premiums.
The Importance of Car Insurance Claims
Car insurance claims are an integral part of comprehensive car insurance policies, providing
financial protection and support in the event of an accident or damage. Understanding the process of car
claims and why it is important to make a claim can help policyholders navigate the claims process
Understanding the Process of Car Insurance Claims
When filing a car insurance claim, it is important to understand the steps involved. This includes
necessary documentation, information, and evidence to support your claim. Familiarise yourself with the
insurer's claim settlement process, including the timelines for claim settlement, and the
available for claim updates. Knowing your responsibilities, rights, and obligations as a policyholder
claims process can help ensure a smooth and efficient claims experience. Additionally, gain insights into
insurance claims are assessed, inspected, and evaluated by insurance companies.
Why is it Important to Make a Claim?
Making a car insurance claim is important for several reasons. Firstly, it can prevent the policyholder
a financial burden in the event of an accident or damage to their vehicle. By making a claim,
policyholders can have
their repair costs covered by the insurance company instead of paying out of pocket. Secondly, making a
provide legal protection, ensuring policyholders are not held liable for any damages or injuries caused by
accident. Lastly, making a claim can also provide additional benefits such as a courtesy car or a
vehicle, minimising any inconvenience caused by the accident.
Additional Cover Options
In addition to comprehensive car insurance, there are additional cover options available that can further
your insurance coverage. Let's explore some of these options:
Breakdown Cover and its Benefits
Breakdown cover provides assistance in the event of a vehicle breakdown, offering services such as
assistance, vehicle recovery, and onward travel solutions. Having breakdown cover can provide peace of
mind, as it
ensures that help is just a phone call away in case of a breakdown or mechanical issue. Additionally,
cover often includes benefits such as emergency helpline support and access to a nationwide repair
Optional Extras and their Benefits
Many comprehensive car insurance policies offer optional extras that can be added to enhance your
coverage. These optional extras can include additional protection and convenience for policyholders. For
legal protection can cover legal costs in case of a legal dispute related to a car accident. A courtesy
provide a replacement vehicle while yours is being repaired. Personal belongings cover can protect
stored in your vehicle. These optional extras can be tailored to your specific needs, allowing you to
With the rise in popularity of electric vehicles, it is important to consider comprehensive car insurance
specifically designed for electric cars. Let's explore the benefits of comprehensive car insurance for
cars and what electric car owners should consider when choosing a policy.
What are the Benefits of Comprehensive Car Insurance for Electric Cars
Comprehensive car insurance for electric cars offers similar benefits to traditional comprehensive car
but with additional considerations for electric vehicles. This type of insurance can cover damage to your
vehicle, charging infrastructure, and even protection for the vehicle's battery. Additionally,
insurance for electric cars can provide cover for theft, accidental damage, and fire incidents, ensuring
comprehensive protection for your electric vehicle.
Things to Consider for Electric Car Owners
Electric car owners should consider several factors specific to electric vehicles when choosing a
insurance policy. It is important to inquire about specialised coverage for electronic vehicle components,
the battery, as these can be a significant expense in the event of damage or replacement. Additionally,
insurance providers may offer coverage for electric car charging cables and home charging stations,
comprehensive protection for your electric car. Always review the policy limits for uninsured/underinsured
coverage when selecting a comprehensive car insurance policy for electric cars.
Determining the Right Type of Car Insurance for You
Assessing your insurance needs involves taking a comprehensive look at your driving habits, vehicle
personal circumstances. Consider the type of car insurance that best suits your needs, such as
insurance, third-party car insurance, or third-party, fire, and theft insurance. Evaluate factors such as
of personal injury coverage, protection for third parties, and coverage for legal costs. By assessing your
you can make an informed decision about the type of car insurance policy that best fits your requirements.
Can I drive another car with my comprehensive car insurance policy?
Many comprehensive car insurance policies include driving other cars cover, allowing policyholders to
vehicles under certain conditions. However, it is essential to review the policy documents to confirm if
is included as a standard feature or as an optional extra. Some policies may have specific eligibility
restrictions for driving other cars. Always check your comprehensive car insurance policy for driving
cover to ensure you are adequately protected.
Do I really need comprehensive car insurance if I have a good driving record?
Yes, comprehensive car insurance is still important even if you have a good driving record. It provides
for damages to your car that are not caused by accidents, such as theft, vandalism, or natural disasters.
always better to be prepared for any unforeseen circumstances.