Expert Deal UK

Compare car insurance quotes

Tell us some information about yourself

We’ll need details about the drivers you want to cover, where you live, and your occupation.

Decide what cover you need

Choose from 3 different levels of cover. We’ll also need details of your car, mileage and modifications.

Compare and choose a policy

We compare car insurance providers to help you find a deal.

Types of car insurance cover

There are several types of car insurance cover available, each designed to provide different levels of protection based on your needs. Here are the main types:

Third Party Only

This is the minimum legal requirement in many countries. It covers damages to other people's vehicles and property if you're at fault in an accident but does not cover any damage to your own vehicle.

Third Party Fire and Theft

This includes everything in third party only cover but adds protection against your car being stolen or damaged in a fire.

Fully Comprehensive with Extras

This is a type of comprehensive insurance that offers additional benefits such as a courtesy car, coverage for personal belongings in the car, or accident forgiveness.

Comprehensive Insurance

This provides the highest level of cover. It protects your vehicle against damage from accidents (even if you're at fault), theft, fire, vandalism, and may also include additional benefits like personal injury cover and roadside assistance.

Third Party Only

This is the minimum legal requirement in many countries. It covers damages to other people's vehicles and property if you're at fault in an accident but does not cover any damage to your own vehicle.

Third Party Fire and Theft

This includes everything in third party only cover but adds protection against your car being stolen or damaged in a fire.

Fully Comprehensive with Extras

This is a type of comprehensive insurance that offers additional benefits such as a courtesy car, coverage for personal belongings in the car, or accident forgiveness.

Comprehensive Insurance

This provides the highest level of cover. It protects your vehicle against damage from accidents (even if you're at fault), theft, fire, vandalism, and may also include additional benefits like personal injury cover and roadside assistance.

Pay-As-You-Go Insurance: This type is based on the mileage you drive and can be more affordable for those who don’t drive often. It usually combines basic coverage with a telematics device that monitors your driving.

Classic Car Insurance: Specific to vintage or classic cars, this type of insurance often offers agreed value coverage and may have lower premiums due to limited mileage and usage.

Non-Owner Car Insurance: Designed for individuals who don’t own a car but occasionally drive others’ vehicles. It provides liability coverage when driving a rented or borrowed car.

Each type has its pros and cons, so it’s essential to consider factors like your driving habits, the value of your vehicle, and your budget when choosing a policy.