Choosing Cover

Comprehensive Cover

This covers you and your vehicle for any accident whether it was your fault or not. So, if the worst happens, you can relax knowing you and your car are fully covered.

Third Party Fire and Theft (TPF&T)

This covers you and your vehicle if it is stolen or bursts into flames. If you are in an accident and it's your fault, you are covered for damages to the other person and their car as well as injuries to third parties.

Third Party Only (TPO)

This covers your legal liability to third parties (that is, damage to their property & compensation for death or injuries caused by an accident that was your fault). It also covers damage and injury caused by your passengers.

Features of insurance cover

The following is a summary only. Please refer to the policy books on the right for full details of all policy benefits, and the terms, conditions and limits that apply to them.

Features of cover Third Party Only Third Party Fire & Theft Comprehensive Cover
Foreign travel  Y  Y  Y
Passenger liability  Y  Y  Y
 Fire damage    Y  Y
 Theft or attempted theft damage    Y  Y
 Unlimited audio cover    Y (up to £100 if not standard fit)  Y (up to £300 if not standard fit)
 Malicious damage      Y
 Glass damage      Y
 Accidental damage      Y
 Courtesy car      Y (provided an authorised repairer is used)
 Personal accident      Y (up to £2,500 for insured and spouse/civil partner)
 Personal effects      Y (up to £100)
 Medical expenses      Y (up to £100)
 Replacement car - New for Old      Y (if vehicle less than 12 months old and you are the first registered keeper)


† 10% of customers buying car insurance online with us from January to May 2014 received a price that was at least 25% cheaper than the price they would have been offered had they called us. Discounts depend upon individual circumstances, level of cover & payment method.  (Excludes optional extras)