Why do I need it?
If your car is damaged in an accident where you’re at fault, having comprehensive motor insurance helps to pay for repairs – or can replace it altogether if your car is written off.
If your car is stolen, comprehensive motor insurance can pay you the agreed or market value, so you can buy another car.
Third party property damage (TPPD) insurance – can cover the costs you may be liable to pay if you are at fault and damage or write off someone else’s car – is also available as a standalone policy. However, if you only have this cover, there’s no cover for any damage to your own car.