A comprehensive car insurance policy will cover you for a wide range of damages, injuries and loss to you, your passengers and your vehicle, as well as other people and their property.
It means that if you’re involved in an accident, even if it’s your fault, you can claim to get your car repaired or replaced. And, where necessary, the insurance company can also compensate a third party involved in the accident.
A comprehensive policy also covers your vehicle for theft and fire damage. Or if, for example, you discover damage to your car when it’s parked in the street or a car park.
Third party car insurance is much more limited: it only covers the damage you cause to other vehicles and people.