While Third Party Property car insurance only covers you for the damage you cause to other people’s cars or property, Comprehensive car insurance covers damage caused to your car, as well as a host of other events like malicious damage, hail damage, natural disasters, fire and theft. If your car isn’t worth a lot of money and you can live without it, you may decide that Third Party Property insurance is enough for you. However, Comprehensive insurance can save you thousands if you can’t afford to pay for repairs to your own car (or you just can’t live without it), as well as if you live in an area that’s prone to weather events or has a high crime rate.