Start with the cover and your actual use
Third party, fire and theft, and comprehensive policies offer different protection. The policy documents explain the drivers, vehicle uses, limits and exclusions covered. A comprehensive label does not mean every loss or extra is included.
Look at excesses alongside the premium
The excess is your contribution towards an applicable claim. Check compulsory and voluntary amounts together, plus any separate excesses for particular claims or drivers.
Compare the complete payment schedule
Monthly instalments may include interest or fees. Compare the total payable for equivalent cover and read any finance terms as well as the insurance policy.
General information. Source: ABI: motor insurance. Checked 17 September 2026.
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