Your guide to car insurance | learnr™

As a new driver, car insurance will probably be your biggest hurdle when starting to drive. You can't drive a car on public land without valid insurance. You may also wish to read our frequently asked questions about car insurance.

Types of cover available

There are primarily three types of cover available: Third party, Third party fire and theft, and Comprehensive.

Third party: Third party insurance covers damange to the property of others, and of injury to others resulting from an accident where you were at fault. Damage to your car or injury to yourself is not covered by third party insurance (although injury to your passengers is.

Third party fire and theft: In addition to the cover offered by third party cover, this also insures you against you car being stolen or damaged by a fire. Don't forget, recovering costs for damage by fire, and theft of the car will probably be subject to your insurers excess, so depending on the value of your car this may not be worth while.

Comprehensive cover: In addition to the cover provided by third party fire and theft, comprehensive insurance also covers damage to your car and injury to yourself.

Insurance extras

You might want to look out for little extras offered by insurance companies which may be of use to you, depending on your policy.

  • Protected no claims bonus
  • Accelerator policies - where you get a no-claims bonus in under a year (e.g. within 10 months of claim free driving). Admiral, as well as being good value for young drivers, offers this. Why not get a quote from admiral via GoCompare?
  • Breakdown recovery
  • Legal expenses
  • Provision of a courtest car, so you can carry on as normal while your car is being repaired.
  • Any driver - which allows any driver to drive your car
  • Any car - allows you to drive any car (although the car still needs to be insured in its own right!)

Car insurance comparison websites

One of the best ways to find car insurance is through the use of car insurance comparison websites, which can compare policies from many different companies so you can get a good deal.