Car insurance Types of Cover
You can choose Comprehensive or Third Party Fire and Theft car insurance.
Comparison of cover levels
|Cover level||Third party Fire & Theft||Comprehensive|
|Damage to other people's cars and property|
|Injury to other people|
|Repair or replacement of your car if it is damaged by fire|
|Repair or replacement of your car if it is stolen or damaged by theft|
|Windscreen repair or replacement|
|£5,000 personal accident cover|
|Repair or replacement of your car if it is vandalised or maliciously damaged|
|Repair or replacement of your car if it is accidentally damaged|
Comprehensive Car Insurance
As the name suggests, Comprehensive car insurance covers most eventualities including damage to your own vehicle where you are at fault. You can expect to pay a higher premium for Comprehensive car insurance but for most people it’s worth it when compared to the expense of repairing or even replacing your car following an accident where you were at fault.
Third Party Fire and Theft Car Insurance
If you decide you don’t need Comprehensive cover (perhaps for a second car that wouldn’t cost much to replace or repair), Third Party car insurance with Fire and Theft provides the minimum Third Party car insurance cover required by law, plus extra cover if your car is stolen, damaged or destroyed by fire.
Looking to buy car insurance? Get an AXA car insurance quote.