Comprehensive Car Insurance from the Car Insurance UK Supermarket

For reasons reviewed elsewhere on this website, even where your car has low value, it is rarely wise to opt for third party cover only. We would therefore always recommend comprehensive car insurance. Indeed, if you use a price comparison site, they only compare comprehensive car insurance prices for you; so their is no option of third party cover if you choose to compare quotes in this way, as most do.

While most of the direct insurers listed here do allow you to get a quote for third party cover only, very often when you compare their price to comprehensive car insurance cover obtained via a price comparison service, the latter is cheaper anyway.

Of course, comprehensive car insurance prices vary hugely according to how comprehensive (in the broader sense) that cover is. If you go direct to a quality comprehensive car insurance provider such as Direct Line, that doesn't work with price comparison systems because it refuses to compete on price alone, then you will get excellent cover that, like for like, is competitively priced.

Less inclusive comprehensive car insurance policies that feature prominently on a price comparison site owing to their low price should never be treated as if they are the same product. More than likely, you are trying to compare a Mini to a Rolls Royce. If you select a product with more features, it costs more.

Many people seem not to pay attention to this obvious point in their buying behaviour, simply choosing the cheapest comprehensive car insurance quote, regardless of the associated (typically limited) cover. Presumably, when some of these people need to make a claim, as will inevitably occur, they discover only then that their policy leaves much to be desired and costs them much more than they expected.

This is an obvious consequence of not checking the cover of a particularly cheap policy in advance of purchase, of course, but it is a suprisingly common phenonomen in the UK, where people like to easily save money on quotes generated by price comparison sites, where policy details are not treated as a key part of the consumer's decision-making.

Undoubtedly, many motorists are willing to gamble on not making a claim to save money on a cheap policy and they are aware that their comprehensive car insurance cover is limited. While you may get away with this approach, even for a number of years, in advance, for every year of insurance, you have no way of knowing whether an accident will occur or not.

We would therefore suggest that a more realistic approach does take account of what you would want to have included in your policy when you want to make a claim.

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