What types of car insurance are available?

It’s easy to get confused when trying to understand what level of cover is better for you, so make sure you do your research carefully. This way you can be confident that you purchase the right policy for your particular circumstances.

There are three types of car insurance available within the UK:

Third party

This is the legal minimum level of insurance available within the UK. Third party insurance provides cover if you have an accident causing damage or injury to another person, animal, vehicle or property but this does not cover damage to the driver’s own vehicle.

Third party, fire & theft

This covers the fire and theft of your vehicle in addition to the third party cover.

Comprehensive

This is the highest level of insurance available within the UK. Comprehensive insurance provides cover if your car is stolen, damaged by fire or accidentally damaged. You are covered if you are involved in a road traffic accident and you’re also covered for claims made against you by other people for bodily injury or damage, made by your vehicle to their property.

Budget Insurance offers all three levels of cover with the option to add some great additional products to your car insurance package. Different levels of cover allow you to select a product that best suits your insurance needs.