There are three main insurance options to cover you and your car once you’ve passed your test.These are:Third-party – The minimum insurance coverage required by UK law. It only covers costs related to injuries and property damage sustained by non-fault parties in incidents where the policy holder was deemed to be at partially at fault.Third-party, fire, and theft – The minimum insurance coverage required by UK law. It only covers costs related to injuries and property damage sustained by non-fault parties in incidents where the policy holder was deemed to be at partially at fault., additionally the policy holder's vehicle is covered in the event of a fire or theft. Comprehensive – This is the highest level of coverage available that safeguards against:- Vehicles damaged or destroyed in an accident, regardless of liability. It also cover third-party costs relating to incidents where the policy holder is at least partially liable.  - Your vehicle being stolen or suffering fire damage (similar to third party, fire and theft coverage)- Theft of the contents of the vehicle. (up to £150)Ultimately, it’s up to you which cover you think you need.Third-party, fire and theft protection can be a cost-effective option if high insurance costs aren’t worth it for the vehicle value.However, comprehensive insurance coverage provides complete peace of mind. In the event of an accident, these insurance policies make sure you don’t face substantial repair bills or risk having to replace your car or any of its content.Comprehensive insurance allows for optional extras like recovery services, courtesy cars and breakdown cover – which is also recommended for those new to driving and needing extra assistance at the roadside.