What type of car insurance cover do I need?

Choosing the right car insurance coverage is crucial. But how do you decide?

Let’s break it down.


This is the highest level of protection and includes third-party, fire and theft, as well as insurance for your vehicle in case of an accident, regardless of fault.

Third Party, Fire and Theft (TPFT):

This policy includes third-party cover plus protection against fire and theft. It does not, however, cover damages to your vehicle in an accident where you’re at fault.

Third Party:

This is the minimum level of insurance legally required to drive in the UK. It covers damages and injuries to other people and their property if you’re at fault in an accident. As with TPFT, it doesn’t cover damages to your vehicle.

Which one should you choose?

Consider your budget, vehicle value, and the level of protection required. Comprehensive cover is recommended for newer or more valuable cars, while TPFT or third-party cover might suffice for older or less valuable vehicles.

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