Fully comprehensive car insurance offers drivers more protection than lower levels of coverage, which means there are more types of incidents where your insurer might have to pay out. In some cases this is reflected in higher premiums for comprehensive insurance policies. However, some insurers do take into account the fact that riskier drivers often search for less comprehensive cover because they assume it will be cheaper, which could mean there is an increased risk of an insurance claim on some third party or TPFT policies even though the insurer is covering fewer types of incidents on those policies. In practice that means fully-comp can potentially be more expensive, less expensive or the same price as lower levels of cover, which is why it’s a good idea to compare quotes for fully-comp even if you’re thinking of taking out less coverage.