Dr Sabri Mohammad says: “When choosing a level of cover for your car insurance, the available options are third party only (TPO), third party, fire and theft (TPFT)  and comprehensive. You should consider:
Budget: TPO is the cheapest option, while comprehensive is the most expensive. Consider what you can afford
Vehicle value: newer or more valuable vehicles may warrant comprehensive coverage for better protection
Usage: if you rely heavily on your vehicle, it might be worth getting comprehensive coverage
Risk tolerance: TPO and TPFT leave you more exposed, while comprehensive coverage provides more extensive protection
Additional benefits: comprehensive policies may include roadside assistance and legal expense coverage
Lender requirements: if you have a loan or lease, your lender may require comprehensive coverage
Choose the level of cover that suits your budget, risk tolerance and vehicle value, and remember to consider your specific needs and circumstances.”