Is comprehensive insurance cheaper?
Some drivers don't even bother to get a comprehensive insurance quote because they think it will be far more expensive than third party insurance. After all, they assume it offers drivers the highest level of protection, so it would naturally be dearer.
However, if you fill out a quote for comprehensive car insurance, you might be pleasantly surprised by the result. This is because less-experienced drivers tend to opt for third party policies in a bid to keep costs low, but they're also more likely to be involved in accidents. Insurers have had to balance this risk by charging higher prices, which has pushed up the cost of the average third party premium.