Types of car insurance

Everyone who drives a car has to have car insurance - it’s a legal requirement that ensures motorists can cover their liability if they cause damage or injury. And as you probably know, there are several different kinds of car insurance:

If you want cover that also protects your own car against accidental damage, you need ‘Comprehensive’ car insurance cover. This type of insurance usually includes cover for:

esure offers competitive rates for comprehensive insurance. You can get an online car insurance quote right here in minutes if you would like to compare us with your current premium.

If you have ‘Third Party Only’ insurance, it only covers damage or injury you may cause to someone else, including passengers. This type of car insurance doesn’t provide any cover for your own car or property. So if your own car is damaged in an accident, or stolen, you will have to either pay the repair bill yourself, or (if they are legally liable) claim from the other party.

‘Third Party Fire & Theft’ is similar to ‘Third Party Only’ but also includes additional protection that covers your losses if your car is stolen or catches fire. Again, though, it doesn’t cover you against accidental damage.

Another type of car insurance to consider, especially if you use a finance agreement to pay for your car, is 'Guaranteed Asset Protection' (GAP) insurance. If your car is written off, GAP insurance may pay the difference between the car’s value before you had the accident and the amount you still owe on the loan. Or it may help you pay to replace your car with one of equal current value, or cover a deposit on a new car.

Even if you are involved in an accident that isn’t your fault, you may still incur losses, which are not covered under Comprehensive, Third Party Fire & Theft or Third Party Only insurance. You may need to take legal action in order to recover these losses - Motoring Legal Protection ensures you can take the necessary steps.

Which car insurance is right for you?

It’s important to be clear about the kind of cover you want – and to read your policy carefully, to make sure it provides exactly that. For instance, you need to know whether you are covered if you drive another car, or if another person drives your car. Different policies may cover only you, or you and your named driver, or even you and any qualified driver. To take a look at the quality cover provided by esure, view our policy document.