Comprehensive or third-party cover — the difference
Two things that get mixed up constantly. In short: third-party cover protects others from you, comprehensive cover protects your vehicle. Here is the detail.
Third-party liability — compulsory
Third-party liability cover is compulsory by law. It covers the damage you cause to others (their vehicle, people, property). It does not cover your own vehicle if you are at fault.
Comprehensive — optional
Comprehensive cover is optional and covers your vehicle, including where you are at fault, where the culprit is unknown (vandalism, a stone chip), and, depending on the cover: weather damage, fire and theft.
When you use which
- You are not at fault → the claim goes to the other driver's third-party cover.
- You are at fault, or the culprit is unknown → you use comprehensive cover (if you have it).
- Theft → only comprehensive cover that includes theft (third-party does not cover it).
Full and partial comprehensive
Partial comprehensive covers specified risks (glass, theft, natural events, for example), while full comprehensive also covers collision damage you cause yourself. The wider the cover, the higher the premium.
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Try the Claimo demoFrequently asked questions
Does third-party cover my vehicle if I am at fault?
No. Third-party cover pays for the damage you cause to others; for your own vehicle you need comprehensive cover.
Do I need comprehensive cover?
It is worth it for newer and more valuable vehicles, and if you want cover for your own damage, theft and natural events.
Does third-party cover vehicle theft?
No, theft is covered only by comprehensive cover with the appropriate protection.
What is partial comprehensive?
It covers specified risks (glass, theft, natural events, for example), but not collision damage you cause yourself.
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Note: this guide is general information, not legal or insurance advice. Check the terms of your cover with your insurer.