Third Party Car Insurance Vs Full Cover

There is a world of difference between third party car and full cover car insurance. The most notable differences are the price and the level of protection offered to drivers. Both third party and full cover car insurance have their uses for drivers in all manner of scenarios. By law drivers are required to have third party car insurance as the bare minimum - protecting themselves from liability against third party injuries and repairs in an accident.

Third party car insurance may well be enough for drivers of vehicles with considerably low values. Repair costs for older, low value vehicles could come in more expensive than the cost of the car itself. As a result, third party car insurance is a budget alternative to full cover and ideal for drivers that have the funds to replace their vehicle if needed.

Comparatively, full cover car insurance is exactly that – a full coverage policy that protects its policyholders against the threat of fire, theft, personal injury and accidents. Understandably as the premium policy on the market, drivers must be prepared to pay premium prices for their full cover car insurance.

On top of the comprehensive protection that comes as standard, many car insurance providers include additional benefits to entice you to join or renew your policy. No-claims discount protection; free courtesy car and breakdown and windscreen cover are just a handful of bonuses that drivers receive with their full cover car insurance policy.

If you want to protect yourself fully against the pitfalls of the road then purchase a full cover car insurance deal. However, for the veteran ‘banger’ showing its war wounds, third party car insurance is both legally and financially acceptable.