The main reason that car insurance is required by law is so that other road users are protected from any damage you may cause when you’re behind the wheel. Take a look at our guide to the different types of car insurance available, so you can be sure to choose the right level of cover for you.
Third party only
Third party cover is the most basic type of insurance available. This provides a minimum level of protection and only looks after other people (third parties), including their car and property, against any damage you are responsible for.
If you are in an accident that is believed to be your fault, then your third party cover pays for the cost of repairing any other cars involved or any property damaged, as well as any medical treatment those involved may require and the cost of any legal claims against you. Third party does not, however, cover the cost of any repairs to your own car or any medical treatment you might receive yourself.
In a situation where it is not clear who is to blame after an accident, or if your car is stolen, you will not be able to claim on a third party only policy, so you need to think about the limitations of this type of policy before you choose it.
Third party, fire and theft
As the name suggests, third party, fire and theft offers the same cover as third party only insurance but can also pay out if your car is stolen or damaged by fire. This level of insurance is usually more expensive than basic third party cover.
If you choose third party, fire and theft cover, you need to be aware that you will not be covered for repairs to your car, or any medical expenses you might incur after an accident.
All drive like a girl policies are comprehensive. Comprehensive car insurance covers everyone involved in an accident, and doesn’t depend on whether an accident is your fault or if it’s not clear who’s to blame. This covers damage to your car and to other road users as a result of an accident, as well as fire and theft protection.
Please note: drive like a girl does not cover you to drive other cars.
For more information on the cover included in drive like a girl policies, please read the Policy Summary or the Policy Document. You can find this on our Legal page – click the box that applies to you based on the start date of your policy to see the appropriate documents.
When choosing the right car insurance for you, bear in mind that it’s not just about the standard levels of cover. Some insurers will offer great benefits, included in your policy, that you wouldn’t find elsewhere.