In the United Kingdom there are three
types of car insurance cover, although only comprehensive
and third party fire and theft are usually available
Comprehensive Car Insurance
Cover (Fully Comp)
'Comprehensive' covers the loss and or damage to the
insured's vehicle, liability to third parties, and various
other sections depending upon the type of car or vehicle
involved. The term comprehensive is sometimes known
as 'all risks' and describes a policy which brings together
a number of different types of cover into a single policy
document. For example a comprehensive car insurance
policy will normally contain many sections including
material damage, third party cover and may include a
range of other extensions.
Under private car insurance some of the extensions to
cover that are available in the UK are:
Personal Accident Cover
Coats and Personal effects
Medical Expenses cover
Legal Expenses Cover
Audio Equipment Cover
You should always check each company's definition of
'Comprehensive Car Insurance' in the policy wording,
as many of the covers mentioned above will be additional
costs if you purchase a 'limited comprehensive' policy
which may appear cheaper but only covers damage to the
car and liability for third party injury or property
Third Party Fire & Theft Car Insurance
TPFT covers Third Party liability risks, that is damage
to other people and their property, plus damage to the
car if caused by either fire or theft .
TPFT covers loss or damage to the car resulting from
fire or theft, and can be found within the 'loss or
damage' section of a comprehensive policy wording. (
Otherwise known as 'Section 1' which is on an 'All Risks'
The accidental damage excess under comprehensive policies
which is often applied to 'young and inexperienced' drivers,
does not apply to fire and theft claims.
An insured who chooses third party cover only, can usually
extend this cover to include loss or damage to the car by
fire or theft as named perils on the policy. This is what
is meant by TPFT.
Loss or damage caused in other ways remains uninsured.
It is possible for an insured who has taken his car
off the road for whatever reason, to insure the vehicle
for Fire and Theft cover only, however you will probably
need to talk directly to a Car Insurance Broker or company
to obtain this cover, as we have yet to see it offered
online over the Internet.
Third Party Only Car Insurance (TP)
This covers only the third party liabities as a minimum
legal requirement for car insurance, in accordance with
the compulsory insurance requirements of the Road
Traffic Act of 1988. This type of cover is not usually
Whatever cover you opt for you should
remember that you will only be covered in the event
of a claim if you adhere to the cover you purchased.
For example, if you declare when purchasing a policy
that you will only use your car for social domestic
and pleasure, and have an accident while using the car
for business, your insurance will not cover you and
the claim will not be paid.