In the United Kingdom there are three basic types of car insurance policies available to motorists, ranging from third party to comprehensive. We have composed a salient general guide to each type of policy so that you can be aware of the cover typically offered by car insurance providers in the UK.

Third Party
Third party is the lowest level of insurance that you are legally required to have whilst on the roads in the UK. It will basically protect you for any liability you might have for damage to other people or property. You will also be covered for any damage that any trailer or caravan you might be towing might cause. In addition, passengers are also covered for their liability for any accidents caused of their own fault.

Third Party, Fire and Theft
As the name suggests, this type of insurance provides an additional level of cover to third party insurance. Along with all the typical benefits of third party cover, the policyholder will also be covered for incidents of fire and theft. It is worth noting, however, that your insurance company will usually insist that your car is kept overnight in a garage if you desire to be insured against theft.

Comprehensive
This is the fullest basic type of car insurance and will provide you with additional protection for things like windscreen damage and car audio equipment. You will be covered for accidental cover to your own car as well as personal accident benefit which will pay out in the event of death or disablement. Fully comprehensive car insurance can also pay for medical expenses and compensate for damaged or stolen personal belongings within the car, up to a pre-determined limit.

Remember to check your policy details with thorough precision, as every insurance policy is different. Your policy will detail specifically the extent of cover that your car insurance provides. If the wording confuses you then contact your car insurance provider.