1 min read Basle Insurance Agency
What is the difference between comprehensive and third party car insurance?
Third party cover pays for injury or damage you cause to others and is usually the legal minimum for driving. Comprehensive cover adds protection for your own car against accidents, theft and fire.
What third party cover includes
Third party cover pays for injury or damage you cause to other people and their property. It is usually the legal minimum for driving, but it does nothing to repair your own vehicle.
What comprehensive cover adds
Comprehensive cover also protects your own car against accidents, fire and theft, and can include extras such as flood, rental car and towing support. It costs more but removes the risk of a large repair bill.
How to choose
Consider the value of your car, whether it is financed, how often you drive and your claims history. Newer or financed cars usually justify comprehensive cover, while older cars may suit a lighter plan.
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