Not necessarily: although comprehensive cover protects against damage to your car as well as damage or injury you cause to others, its quotes can sometimes be similar to or lower than third-party policies. Third-party cover is the legal minimum in the UK, but it will not usually pay to repair or replace your own car after an accident you cause. Prices depend on factors such as your age, driving history, car, postcode, excess and annual mileage, so compare policies on both price and cover. Check the policy documents and use an FCA-authorised provider or comparison service before buying.