Fully Comprehensive Insurance

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Why Compare Fully Comprehensive Insurance With SimplyQuote?

Looking for the most complete protection for your car? Fully comprehensive insurance offers the ultimate peace of mind, covering a wide range of unexpected events on the road.

Now we know what you’re thinking – where are you going to find the time to compare multiple insurance quotes? That’s where SimplyQuote’s 100% free, online comparison tool comes in – saving you time, money and your sanity.

In just a few clicks, access an extensive list of fully comprehensive car insurance options from top-class UK insurance providers.

It could not be more simple.


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Why Do You Need Fully Comprehensive Insurance?

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What Does Fully Comprehensive Insurance Cover?

What Levels Of Fully Comprehensive Insurance Can You Get?

What Add-Ons Are Available For Fully Comprehensive Insurance?

Despite being called ‘comprehensive’, there are certain areas of cover that may be left out of standard policies. But this is where you can include optional extras for a broader spectrum of cover:

Personal belongings

A lot of comprehensive car insurance policies will only cover the cost of your car if it is stolen, not the contents kept inside. Get personal belongings cover to safeguard the valuables that regularly travel in the car with you.

Car key insurance

Car keys cost a lot to replace, especially on modern cars. With car key insurance, you’ll never have to worry about a lost key again. Insurance companies offering this add-on will likely both replace your car key and configure it.

Windscreen repair

Windscreen repair is a good extra as it provides cover should your windshield get cracked, chipped, or otherwise damaged.

Breakdown cover

Should you find yourself in a breakdown, a breakdown cover add-on will cover the cost of roadside assistance.


It’s possible to get extra cover in your comprehensive car insurance deal to safeguard you against accidentally filling up your car with the wrong fuel.

Motor legal protection

If someone takes legal action against you over a crash that wasn’t your fault, motor legal protection will take care of the legal costs.

Courtesy car cover

If your car is broken down, a fully comprehensive cover will cover the cost of your courtesy car.

Child seat cover

This add-on will replace your child’s seat if it gets damaged in an accident.

No claims discount protection

As the name suggests, this protects your no-claims discount even when making a claim.

EU cover

Offers protection when travelling across the UK border.

Note: Some insurance providers may (or may not) include some of the policies such as windscreen cover within your standard fully comp car insurance policy. It’s best to check these finer details with your chosen insurance company to avoid over- or underinsuring yourself.

How Much Does Fully Comprehensive Car Insurance Cost?

How Can You Reduce Fully Comprehensive Insurance Premiums?

How To Compare Fully Comprehensive Insurance Quotes With SimplyQuote?

Comparing various car insurance quotes with SimplyQuote is quick, easy and pain-free:

  1. Fill in the quick form: Tell us about yourself, your vehicle, and your location.
  2. Choose policy add-ons: Select which add-ons you want.
  3. Quickly compare quotes: Find a quote best suited to your budget and vehicle needs.
  4. Save money: Get the best deal to start saving today.
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Frequently Asked Questions

What is comprehensive car insurance?

Fully comprehensive cover is the highest level of car insurance available. It goes beyond just protecting other people’s vehicles and property (like third-party-only does) and safeguards your own car in a variety of situations.

Can someone else drive my car with fully comp car insurance?

No, only you (i.e. the policyholder) can drive vehicles under fully comprehensive car insurance. You could add additional drivers as ‘named drivers’ to your insurance policy, which would permit them to drive your car.

Is comprehensive car insurance cover cheaper than TPO?

Yes, fully comp policies generally work out cheaper than basic third-party car insurance. However, this depends on your chosen insurance provider and their terms of conditions.