Compare fully comprehensive car insurance quotes

Takes around 5 mins

Fully comprehensive car insurance is the highest level of cover available and can give you the peace of mind you need behind the wheel. Compare great value fully comp quotes at mustard.co.uk.

Jump to section

  • What does it cover?
  • Comp vs 3rd party
  • Driving other vehicles
  • Is it more expensive?
  • Customer Reviews

Jump to section

  • What does it cover?
  • Comp vs 3rd party
  • Driving other vehicles
  • Is it more expensive?
  • Customer Reviews

Why compare fully comprehensive car insurance?

Driving a car in the UK means you need car insurance by law, but that shouldn’t mean paying over the odds for it. 

At mustard.co.uk you can compare a range of comprehensive car insurance quotes from leading providers to find a policy that suits both you and your budget.

Take a look at our panel of insurers here.

Comprehensive car insurance FAQs

What is fully comprehensive car insurance?

Comprehensive car insurance is one of three levels of cover you can choose from in the UK. It’s the highest level of cover you can get. The alternatives are third-party only or third-party, fire and theft cover. 

What does comprehensive car insurance cover?

It’s important to bear in mind that policies vary depending on the insurer’s own terms and conditions and a comprehensive policy with one provider might not be exactly the same as another’s. 

Generally, you can expect a typical comprehensive car insurance policy to cover:

  • Injury and damage done to other people and their property.
  • Injury and damage to you and your car if you’re involved in an accident – even if the accident is considered your fault.
  • Theft and vandalism to your car.
  • Fire damage to your car.

In comparison, third-party policies can be broken down into two types: 

  • Third-party only insurance – covers injury and damage to other people. It won’t pay to repair your car after an accident. This is the minimum level of cover you can have by law.
  • Third-party, fire and theft – includes third-party only cover and will compensate you if your car is stolen or damaged by fire. 

 

Comprehensive vs third party, which is better?

Third party and comprehensive car insurance offer different levels of cover and the right policy for you might not be suitable for someone else. 

Comprehensive insurance covers more events and crucially, will compensate you if your car is damaged. Based on that, it might be the best policy for you if your car is new or expensive and would cost a lot to repair.

Comprehensive cover can also give you greater reassurance that if something unexpected does happen, financial help is available. Plus, insurers may also include other features that boost your comprehensive car insurance coverage, for example:

  • Windscreen and breakdown cover.
  • European cover.
  • Personal possessions cover. 

On the other hand, if your car is old, you may not want to spend money on a comprehensive policy as the cost of cover could be more than the cost of replacing the vehicle.  

It’s worth pointing out that no matter what level of cover you choose, you should be able to add on extra features for a fee. Remember that comprehensive policies may already include other features as standard, so you won’t need to spend as much to enhance the policy.

Does fully comprehensive car insurance cover me to drive another vehicle?

This depends on the conditions set out in your policy. 

A few comprehensive policies include cover known as Driving Other Cars (DOC). If they do provide DOC cover it’s usually only on a third-party basis. That means if you drive someone else’s car and have an accident, the policy will only compensate the other driver or person involved; it won’t pay to repair the car you’re driving. 

DOC cover used to be a regular feature in many comprehensive policies but that isn’t the case anymore. If in doubt, check with your insurer. 

If you need to drive someone else’s car for a limited period, you may want to consider short-term car insurance. Alternatively, you could add yourself as a named driver to someone else’s policy. 

Can I drive any car with comprehensive car insurance?

Your car insurance covers you to drive the car listed in your policy documents, this will be clearly set out and show the car’s make, model and registration.

In terms of whether you can drive any other car – this will depend on your policy’s terms. In many cases, Driving Other Cars cover is not a standard feature even in comprehensive policies. 

How much is car insurance?

The cost of car insurance can vary depending on a number of factors. When calculating your car insurance cost, insurance providers will consider many things including your annual mileage, the make and model of your vehicle and how long you have been driving. 

According to the ABI in July 2020, the average fully comprehensive car insurance premium in the UK is quoted at £460 – subject to your individual circumstances and the features of your level of cover. In order to get the best cheap car insurance, it is always recommended that you use a price comparison site – just like mustard.co.uk. You can see more information on how your car insurance is calculated here.

Is comprehensive car insurance more expensive than third-party policies?

Although comprehensive car insurance covers more risks than third-party policies, they’re not always more expensive. In fact, some fully comp policies can be less than half the cost of a third-party only plan.

It might seem surprising and historically, third-party policies were generally cheaper. That changed because insurers noticed there were more claims from third-party policyholders compared to those with comp cover. As a result, insurers increased the premiums to balance out the cost of claims. 

Remember though – insurers consider lots of different factors to work out your premium so while some drivers may find third-party only policies are cheaper, some might not.

 

How can I get cheap comprehensive car insurance?

Comparing comprehensive car insurance quotes is the quickest and easiest way to find great deals on cover but you can keep costs as low as possible by:

  • Paying for your policy upfront – paying by monthly instalments often means you pay more overall as interest fees will be added. 
  • Increasing your voluntary excess – this can lower your overall premium but it still needs to be affordable because claims can’t go ahead until it’s paid. 
  • Increasing security – keep your car as secure as possible to attract lower premiums. 
  • Limiting your mileage – fewer miles means you’re less likely to be in an accident which can help keep insurance costs down. 

What information do I need for a comprehensive car insurance quote?

When you search for quotes, you’ll need to share some details including: 

  • The make and model of your car. 
  • The year your car was registered.
  • Your age, address and what job you do.
  • What you use your car for, for example commuting to work, running errands or seeing friends. 

Compare fully comprehensive car insurance

Why compare fully comprehensive car insurance?

Driving a car in the UK means you need car insurance by law, but that shouldn’t mean paying over the odds for it. 

At mustard.co.uk you can compare a range of comprehensive car insurance quotes from leading providers to find a policy that suits both you and your budget.

Take a look at our panel of insurers here.

Start your quote for fully comp cover