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Protecting customers with insurance since 2001

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Comprehensive car insurance

Guaranteed courtesy car as standard with our comprehensive cover*

defaqto car insurance logo.
  • 5 star comprehensive cover from £348 a year**
  • Submit a claim online 24/7
Family getting into car.

Lady driving car.

What does 'fully comp' actually mean?

Our Comprehensive car insurance is highly rated and covers you for a wide range of eventualities, but even if you’re an experienced driver, it’s worth refreshing your memory so that you know exactly what is covered and what is not. The more you know about your car insurance, the more you make it work for you, and avoid making assumptions that could have dire consequences.

Comprehensive insurance (or 'fully comp') covers you for damage you cause to someone else’s car or their property. It also covers you for damage caused to your vehicle, including and not limited to:

  • Car accident
  • Theft
  • Vandalism
  • Damage caused by animals
  • Natural disasters, such as flooding accidents.
  • Fire

While there are many more add-ons you can have for added peace of mind, essentially, for most drivers comprehensive insurance is the most complete way to insure a car.

A closer look at what's included:

Jeep engine on fire.
  • Damage to you or another vehicle when you’re at your fault
  • Damage caused to your vehicle when fault cannot be determined
  • Damage caused by fire to your car, also theft of your car or theft of belongings from your car
  • Vandalism and natural disasters including damage caused by flooding, hailstones and animals
  • We offer a courtesy car service as standard with every comprehensive policy, when you use a recommended repairer (excludes a write off)
  • Personal accident cover of up to £5,000 should you be involved in a life-changing incident
  • Windscreen cover - you’ll only pay £10 towards a repair and £75 for a complete replacement
  • Child car seat replacement where in an accident we replace your child’s car seat even if it doesn't look damaged
  • Personal belongings cover whether damaged or stolen we’ll give you up to £250 to replace mobiles, bags, etc
  • In car entertainment - we will cover music, phones, sat navs and DVD players, that you’ve added to your car post purchase
  • Wrong fuel cover, meaning if you put the wrong fuel in your car, you’re covered. We’ll provide assistance to drain your car and repair the problem
  • Emergency assistance 24/7 so you’ll never be left stranded in the event of an accident
Man getting into car.

What comprehensive insurance does not cover

Contrary to what many people believe, a fully comprehensive insurance policy does not cover you to drive another person’s car. The general rule is that if you drive someone else’s car regularly, then you should be named on their policy. Some policies offer limited cover to drive other cars in an emergency situation.

For example, if a friend had an accident and they were unable to drive and you wanted to drive them to hospital - you might be allowed, if they give you permission and you meet certain criteria. However, if you have an accident en route, the level of cover is generally third party only. Clearly, there’s a lot to consider. So, it's best to check your policy document, schedule or certificate to be sure of your cover.


Family getting into car.

Is comprehensive insurance more expensive than other policy types?

Not necessarily, that depends on your personal circumstances, the level of cover you need, the type of car you drive, plus your average mileage and usage. Third party, fire and theft might initially offer savings in the short term; however, it could also work out more expensive in the long term.

In the event of an accident, assess whether you’re happy to be without a car for an extended period of time or whether you can afford to pay for another vehicle. If that isn’t the case, a fully comp policy could save you a great deal of hassle and money.

Comprehensive versus third party, fire and theft

Comprehensive car insurance

What's included

Third party, fire and theft car insurance

What's included
If your car is stolen it gets replaced

If your car is stolen it gets replaced

Your car suffers fire damage it’s covered

Your car suffers fire damage it’s covered

Your phone or in-car entertainment system is damaged or stolen

Your phone or in-car entertainment system is damaged or stolen

Damage to a third person and/or their property

Damage to a third person and/or their property

Wrong fuel cover
Wrong fuel cover
Windscreen or windows repairs
Windscreen or windows repairs
Natural disasters such as flooding
Natural disasters such as flooding
Covers if an accident is your fault
Covers if an accident is your fault
Covers if an accident is not your fault
Covers if an accident is not your fault
Covers if you can’t prove whose fault it is
Covers if you can’t prove whose fault it is

Get a fully comprehensive car insurance quote

Man driving car with dog and luggage.

Fully comprehensive means extra protection for added peace of mind

Comprehensive cover is all about providing a wide range of cover, ensuring that in most situations, you are covered from having to pay the full expense in the event of an accident.

Third party, fire and theft car insurance may appear cheaper in the short term, but you may have to pay for repairs or even replace your car should it be written off. As such, third party, fire and theft may not work out cheaper in the long run.

So, if you’re using your vehicle daily for essential journeys including commuting, or to ferry your family from A-B on a regular basis, then taking out comprehensive insurance will give you the added peace of mind you need.

How to save on your car insurance

When it comes to insurance, you’re in the driving seat. The more you know, the further your money will go. The factors that determine how much you pay for car insurance include but are not limited to:

Lady driving a car.
About your car
  • The type of car you own
  • Repair and labour costs
  • Cost when your car is new
  • Your car’s insurance group
  • Your annual mileage
About you
  • Your age
  • Your driving history
  • Additional drivers of the vehicle
  • The excess fee you agree
  • Whether you pay monthly or annually

Future-proof your car insurance with these optional add-ons

You can also upgrade your car insurance to get a courtesy car if your car is stolen or written off

Legal assistance plan

Take the worry out of unexpected legal issues. Add our plan which includes up to £100,000 legal expenses and representation cover.

No Claim Bonus Protection

Unlike some insurers, with our optional No Claim Bonus Protection we will not reduce your no claim bonus regardless how many claims you make!

RAC Breakdown cover

Breakdowns are stressful. They come at the worst times – leaving you stranded, and late for your day. So when your vehicle lets you down, it’s great to know you have breakdown cover which you can rely on.

Important information:

*Excludes a write off. Must use a MORE THAN recommended repairer.
**5 star Defaqto rated 2020. Excludes optional extras. Based on 50% of new customers who purchased annual comprehensive cover.