Levels of Car Insurance

From third party to comprehensive

Mum and two children sat in the boot of their silver car looking at a map whilst the car is parked up by a field

When insuring your car, there’s one big choice that you’ll have to make when comparing quotes – the level of car insurance you want. We’re here to make understanding those levels a little bit easier so you can get an idea of what type of car insurance might fit your circumstances best.

Why choose Asda Car Insurance?

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What are the different types of car insurance?


As well as picking an insurance policy, you will need to make a choice around the level of cover for your car. This will establish what you can and cannot claim for in the event of an incident, and what works best for your driving habits.

Third party

The minimum level of insurance a driver in the UK needs to have is third party car insurance.  This is a legal requirement in order to drive within the UK, and covers damage or injuries caused to other parties in the event that you get into an accident. However, this level of insurance does not cover you for any personal injury costs or vehicle repairs, meaning you will have to pay for these entirely yourself.


Third party, fire, and theft

One level up from this is third party, fire and theft insurance which packages third party insurance with additional cover against accidental damage from fire or arson, and losses sustained through theft. While you still don’t get any financial assistance towards repairing your own car after an accident, it can help give you extra coverage and reassurance above just third party insurance.



Finally, the highest level of cover you can get is comprehensive car insurance, which includes everything from third party, fire and theft insurance as well as cover towards repairs for your car after an accident. Fully comprehensive policies vary in detail from insurer to insurer, so it’s always good to check exactly what’s included and what you’re entitled to.

What types of optional extras are there for car insurance?


Any optional extras and the benefits they provide will be different depending on the policy you choose. Fully comprehensive insurance deals from different insurers may include a variety of optional extras that can provide useful features or services.

It’s important to know what optional extras for car insurance are available so you can decide if there are any that would be beneficial to you. 


These can include:


Even if your policy doesn’t include these optional extras as part of your policy, you can sometimes add them in for an extra fee to help tailor your insurance policy to your needs.


Top Car Insurance FAQs:

What's the best car insurance for you?

Finding the right car insurance for you and your wheels can be complicated because there’s so much choice out there. With Asda we do the shopping for you and help you compare quotes from some of the UK’s leading providers so you don’t have to.

All you need to do is pick the policy and price that’s right for you.

All levels of cover for your car:

How to get cheap car insurance quotes with Asda

Getting cheap car insurance quotes with Asda has never been simpler and you can get covered in minutes.

All you need to do is complete a number of simple questions about you, the car you’re looking to insure and your driving history.

You’ll be asked very basic questions like your name, address and date of birth, as well as questions about how long you’ve been driving and the number of no claims bonus (NCB) you have.

From there you’ll need to complete some questions about the car insurance cover you want and then we do the hard work. Plus, some providers will offer multi-car discounts if you insure multiple cars under the same policy.

What happens when you compare car insurance with Asda?

When you compare car insurance, your details are run through the various car insurance providers on the panel.

Over 60 of the UK’s leading providers, including the likes of AXA, Hastings and Swinton, will return the cheapest quotes they have to offer.

You'll see your quotes, starting with the cheapest first, and you’ll also be able to see prices for Comprehensive, Third Party, Fire and Theft and Third Party Only policies.

At that point it’s up to you to select the quote and cover you want! It's also worth taking a look at any optional extras you might want to include with your policy, like a courtesy car if yours runs into trouble or legal cover in case you do happen to get into an accident.

What are your levels of car insurance cover?

When you compare quotes you’ll automatically see all three levels of cover when your quotes display but car insurance is a little more complicated than just Comprehensive, Third Party, Fire and Theft or Third Party Only. You'll also want to consider what other car insurance benefits you want, like cover for driving abroad, and what optional extras you might want for your policy for complete peace of mind when driving.

If you want a telematics (black box) policy, one that covers you for work or social only, or you're ahead of the curve and have an electric car, you can still compare quotes and get covered with Asda.