There are three categories of car insurance that offer different levels of benefits and coverage.
- Damage to other vehicles
- Damage to property
- Injury to people.
This is the most basic level of cover and is the legal requirement. If you are involved in an accident and it is found to be your fault you are not covered and you will have to pay for the damage caused to your vehicle yourself.
Third party, fire and theft
This is the same as third party but with a few additional extras to add further cover.
If your vehicle were to catch fire, be stolen or sustain any damage as a result of someone attempting to steal the car or any contents, then this type of policy would then ensure you are covered.
Again this gives you all the cover of the previous options but with added protection.
Comprehensive cover will then cover you for your own car as well as other drivers. Even if the accident is your fault no damages will be paid for by you.
There are also many additional extras such as a courtesy car and breakdown cover.
This is a new area of car insurance in which a black box installed in your car which monitors your driving. This affects the premiums you pay and the better you drive the lower your premiums will be the next year.