Motor Insurance has always been the "Which one shall I take?" and which is the best... well it all depends on your circumstances, the car your drive and YOU!

My advice? I always go Full Comprehensive as covers every aspect of who or whom was at fault and is more times likely to be cheeper than 3rd Party.

Think about it....you may be driving an old banger, but.....you could demolish a Rolls or Bentley. Their cars may well or more like be worth more monetary value than your own...but, hey your car is worth more than theirs as their car is probably as 'disposable item'

OK....aimed at UK young drivers as a point of reference and to give some thought (non to sure on overseas insurance deals) an outline on what you get, the pitfalls and benefits.

This is meant as a general guide and is by no means a definitive, legal guide - so please ensure that you use it for information only. I will briefly cover the following questions:

What is 'Third Party Only' Car Insurance Cover?
What is 'Third Party Fire & Theft' Car Insurance Cover?
What is 'Comprehensive' Car Insurance Cover?
What type of car insurance cover is best for you?
Why do costs of motor insurance cover vary so much?
Any other things I should be aware of when choosing my motor insurance?
And finally, shop around
There are three main types of motor insurance policy, namely:

Third Party Only (often referred to by the initials,TPO)
Third Party Fire & Theft (often referred to by the initials,TPF&T)
Comprehensive (often referred to as Fully Comp.)
Each of these different types of cover can be briefly explained as follows:

What is 'Third Party Only' Car Insurance Cover?
This covers the policyholder against damage to a third party's property or to the third party themselves.

In other words, if you run into another car and cause damage to that car and injure the occupant(s) of that car, a Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you. A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses if you are injured.

In addition, if your vehicle is stolen or catches fire, a Third Party Only policy will not make any payment toward the theft or repair of the vehicle.

What is 'Third Party Fire & Theft' Car Insurance Cover?
This is exactly

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