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Types of car insurance cover

  • 22, Dec 2022
  • Read time: 5 mins

Whether you’re been driving for a long time or recently passed your test, it can be difficult to know what type of car insurance is best for you. It’s good to be aware of all options available so you can choose the right type for your lifestyle and needs.

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Why you need car insurance

It is a legal requirement to have car insurance. It also means you’re protected should you have an accident.

What type of car insurance do I need?

At MORE THAN, to provide our customers with the best possible service, we only offer fully comprehensive car insurance. However, it will depend on your circumstances as to which is the right one for you.

What are the different types of car insurance?

There are 3 main types of car insurance, each with their own benefits. We’ve gone into more detail about the different types available.

Comprehensive cover

Comprehensive cover is the fullest cover you can buy (which is why it’s also known as fully comp). Comprehensive car insurance covers you for accidents whether you are at fault or not.

For example, if you were at fault for an accident, and you had third party, fire and theft cover, then you would be covered for damage to the other party and their vehicle or property. However, you would have to pay for repairs to your own car from your own pocket.

With comprehensive cover, you are covered for damage to the other party and their vehicle. You and your vehicle are also covered. More Than's comprehensive car insurance also includes a courtesy car (must use a More Than recommended repairer. Excludes a write-off), windscreen cover (excess applies), loss and theft of keys, and personal accident cover as standard.

As long as you use one of our recommended repairers, we’ll provide you with a courtesy car for:

  • As long as it takes length of repairs to your car
  • To help get you where you need to be after an accident

Third party, fire and theft

As the name suggests, Third party, fire, and theft covers you for damage to the other party, their vehicle or property. It also covers you for damage to your vehicle caused by fire or when your car has been stolen.

If you have an accident where you are at fault, then you will be covered for damage to the other car, its driver, and passengers. But if your vehicle sustains damage too, then the costs of repair will have to come out of your pocket.

At MORE THAN we don’t offer Third party, fire and theft insurance cover, but there are insurers who do.

Third party only cover

Third party only cover is the minimum level of car insurance you need to drive on UK roads. As the name suggests, this lean form of insurance covers the third party, their vehicle or property only. You are not covered for theft, fire damage, or any damage sustained to your vehicle in an accident where you are at fault.

At MORE THAN we don’t offer Third party only insurance cover, but there are insurers who do.

Other types of car insurance

As well as the main types, there are other options available to keep you covered. The most popular are:

  • Black box insurance
  • Young driver insurance
  • Business car insurance
  • Multi car insurance

We’ve provided some information about each of these below.

Black box insurance

A black box is a telematics device, fitted out of sight in your car. It records and sends data about your driving style to your insurer.

SMART WHEELS insurance

Sometimes, as in the case of SMART WHEELS young driver insurance, the telematics device helps to provide a driving score based on your usage which rewards good driving with discounts at renewal.

This is particularly useful for young people (aged 17 – 24) who want affordable ways to keep their insurance costs low while enjoying the fullest cover.

LOW MILER insurance

For LOW MILER low mileage insurance, its telematics device will only record how many miles you drive to ensure you keep within the mileage stated in your policy.

The device is there to ensure you drive within the limits that are set out in your car insurance policy, helping to keep your costs low and to ensure you get the car insurance that suits your needs.

Business car insurance

If you use your vehicle for any of the work-related reasons listed below, it may be worth getting business car insurance.

  • Using your vehicle to complete business-related tasks
  • Making regular journeys to different offices or sites
  • Driving colleagues to and from offices or sites

At MORE THAN we don’t offer business car insurance but there are insurers who do.

Multi-car insurance

A multi-car insurance policy allows for more than one vehicle to be listed on your policy. It also usually means you can save on your car insurance. This type of policy can be a great option for you if:

  • You own more than one car
  • If you’re a family with multiple drivers and vehicles
  • If you’re a couple with more than one vehicle

At MORE THAN we don’t offer multi-car insurance but there are insurers who do.

Car insurance optional extras

To ensure you have the cover that suits your driving needs, you might want to enhance your insurance type with optional add-ons. Insurers offer different optional extras, but we’ve listed out some of the most popular below.

Courtesy car

Being involved in any car accident is a stressful experience. A courtesy car is included as standard with our comprehensive car insurance (Must use a More Than recommended repairer. Excludes a write-off).

Our Courtesy Car upgrade provides a courtesy car regardless of using our recommended repairer and includes cover for total loss and theft. The limit for this is 14 days.

    Breakdown cover

    Breaking down in your car can happen when you least need it. Breakdown cover offers peace of mind knowing that you and your passengers will not be left stranded by the road. You can upgrade your policy to include breakdown cover which covers you should your car break down at home.

    Breakdown cover abroad

    It can be inconvenient and expensive to break down abroad. Our optional upgrade includes breakdown assistance and recovery whenever you need it when you're driving in specified European countries*.

    Legal assistance cover

    At MORE THAN we offer a Legal assistance plan which includes up to £100,000 legal expenses and representation cover after an accident. This will help, for example, to recover uninsured losses, should you be unable to work after an accident that wasn’t your fault.

    Protect your No Claim Bonus discount

    At MORE THAN we offer No Claim Bonus Protection. This means that no matter how many times you make a claim with us, we won’t reduce your NCB.

    Having this doesn’t mean that your car insurance price won’t increase at renewal. However, it will still provide a discount to offset the overall cost of your insurance.

    We have a simple guide that makes understanding your no claim bonus even easier.

    What factors impact car insurance?

    There are a number of factors which can affect the cost of car insurance including age, the type of car, and driving behaviour.

    For more information on what can affect the cost of car insurance, check out this guide.

    Important information

    *Countries covered by MORE THAN upgraded breakdown cover:

    Albania, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus (Greek), Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Holland, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia and Montenegro, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Turkey and Tunisia.

    Take a look at our car insurance page and get a quote today

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