Get A Quote Now

Choosing the right cover for your car can be time-consuming and confusing. When considering which is best for you, you’ll likely end up comparing comprehensive vs third party insurance.

At GoShorty, we understand that it can be difficult to know if you’re making the correct choice. Recent trends have shown a move away from Third Party to Comprehensive car insurance, and at GoShorty, to keep things simple, we only offer fully comprehensive cover.

It’s useful to understand more about both options before making a decision. If you’re unsure and don’t want to commit, there are also short-term options to consider. With our simple, temporary, fully comprehensive cover, the only thing you need to be concerned about is an alien invasion. (but even that might be sorted under the vandalism cover).

What is Third Party Insurance and What Does it Cover?

Third Party Insurance (also known as ‘TPO’) provides the minimum cover required to drive legally in the UK. It tends to have a lower price-point than other insurance types, so it is a popular choice with drivers (especially the learning or newly qualified) as it reduces the pain to your wallet. 

Third-party car insurance covers you for damage and injury that your car does to other vehicles, property or people. but it does not cover damage to your own car. It will cover anything that happens to passengers in your car.

There is also more relevance with drivers whose car may cost more to repair than replace – it may not be worth the cost of full coverage. If your car is worth less than the annual insurance cost, Third Party could be the way to go.

What is the Difference Between Comprehensive and Third Party Insurance?

Comprehensive car insurance (also known as ‘Fully Comp’) covers your own car against pretty much anything that could go wrong on or off the road. 

This includes damage caused by accidents, theft, fire, natural disasters and other events, as well as damage to other people’s property and injuries to other people in case you are at fault in an accident.

Third-party car insurance only covers you against damage or injury that you cause to other people or their property while driving your car. It’s limited in scope to the area that you damage – not your car or any of its contents.

Fully comprehensive protection may also cover, or offer additional extras that you may not have considered. You may ask yourself “what happens if I put the wrong fuel in the tank?”. The answer is “nothing expensive” if you’re comprehensively covered. You won’t be left out of pocket beyond your insurance excess.

Why Choose Comprehensive Insurance Over Third Party

A fully comprehensive policy also covers anything that happens to you, or your car. With many “fully comp” policies you’ll have the option of enhanced cover – adding protection for events such as key replacement,  legal fees or offering a courtesy car if yours is out of action for a prolonged period of time. It could also cover windscreen repair, broken audio equipment, and even personal belongings that are lost or damaged whilst in the car.

Third party insurance could leave too much up to chance. As car accidents rarely leave only one vehicle unscathed, your wallet would feel the brunt of having to fix a broken windscreen, or replace a front wheel. If you depend on your car or van for your livelihood, you’ll want it fixed as quickly as possible.

Despite its reputation, Third Party insurance is often more expensive than fully comp as those with a basic level of cover are statistically involved in more accidents, and as a result, policies can be bumped up.

You may be the safest driver on the road, but the point of insurance is to protect against the unexpected. If you’re fully covered then you don’t have to worry about moments that leave you by the side of the road or without a car. 

You may have third party insurance in place already, but if you’re going on a longer journey or feel you might need more coverage, GoShorty could offer you a solution. From hours to months – you can get temporary (and cheaper) coverage through us to make sure that any mishap won’t be a problem.

Everyone’s circumstances are different. Third Party cover is suitable for some, but for full peace of mind you’ll likely want a fully comprehensive insurance policy.

Temporary car insurance can be a solution in many situations – perhaps you’re learning to drive, lending a van to help move house, or maybe borrowing a car while yours is in the garage.
If you want to safely trial a fully comp insurance scheme – you can get temporary insurance through GoShorty. We cover everything you need covered and your no-claims bonus won’t be affected if you do need to make a claim. Best of all, we can give you a quote in about 90 seconds.

Similar articles you might like

  • Should You Learn Automatic or Manual?

    If you’re about to begin to learn to drive and need some guidance on whether to choose a manual or […]

    Read more

  • What is the Best Way to Insure a Learner Driver?

    Learning to drive can be incredibly exciting and nerve-wracking, with many new drivers plagued with questions before they hit the […]

    Read more

  • Learning to Drive in Winter: Tests & Lessons Guide

    So it’s time to pass your test we hear? Well, it’s hard enough at the best of times, but in […]

    Read more