Do You Really Have Fully Comprehensive Car Insurance?

Drivers have to buy car insurance and many opt to get a fully comprehensive policy but new research shows that such policies can vary significantly across different insurers.

As car insurance premiums rise, it is even more vital to get the cover you need at the best price possible. It is also important to understand the cover you are buying.

There are three type of car insurance cover  available: third party, third party, fire and theft and comprehensive.

Whilst more expensive, may opt for comprehensive, however analysis by moneysupermarket.com of a sample of such policies found the cost and policy details can vary significantly.

Whether using a comparison site or going to direct to an insurer, motorists need to make sure they understand what is and is not included. For example is a courtesy car included within the price quoted or is this an additional cost? Some policies include it and others charge over £20 to add it. Do you actually need a courtesy car?

As Peter Harrison, car insurance expert at moneysupermarket.com said: “It is important to weigh up the cost of opting for a fully comprehensive policy and any additions, as well as breakdown cover for example, to see the full picture of your outgoings.

“Shop around and take time to research the different options available in order to find the right car insurance policy for you.”

MoneyHighStreet comments: “The cost of keeping a car on the road is ever rising and you need to take steps to save money on your motoring costs wherever you can.

As part of this, carefully consider the type of car insurance policy you need – if your car is low value for example , third party fire and theft may be a better option as excesses may make comprehensive insurance pointless.

“Perhaps there is a glimmer of hope that we might see petrol prices fall as crude oil prices crash?”