Comprehensive insurance covers damage to your own car as well as damage or injury you cause to others, while third party cover only protects other people and their property. Comprehensive policies can sometimes be cheaper than third party because insurers assess risk and pricing in different ways, so do not assume third party will cost less. Compare quotes on a like-for-like basis, checking the excess, exclusions, courtesy-car arrangements and whether personal belongings are covered. Choose the policy that suits your car, budget and circumstances, and check the details with an FCA-authorised insurer or broker before buying.