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Motor Insurance types

Fully Comprehensive v Third Party

Lets take a look at the comparisons between the different types of cover.

(Terms may vary from insurer to insurer)

Third Party Only (TPO)

The most basic form of motor cover, usually provides the following :

Liability cover for Third Parties injuries to damage, trailers and passengers
Legal Expenses
Foreign Travel Cover
Emergency Treatment

Third Party Fire & Theft (TPFT)

TPFT includes all the benefits above & usually the following :

Fire, Lightning, Explosion, Theft, Attempted Theft, Taking without consent
Accessories, fitted onto the car, or stored in the garage
Towing
Storage
Delivery after repair

Fully Comprehensive (fully Comp)

This includes the benefits above & usually the following:-

Cover for Storm, Flood, Vandalism, Malicious Damage, Accidental Damage
Variable Excesses dependent on choice and/or age of driver
Personal Effects Cover of £100 (except cash)
Medical Expenses Cover of £200 (for anyone in the insured car)
Death or Injury Cover of £5000 (Only for the regular driver and/or spouse in any private motor vehicle)

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