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Our car insurance teams are often asked about the difference between third party, fire and theft and comprehensive insurance. This is often followed up with what is the right option for me? The answer really depends on your situation but we wanted to answer some of your most common questions so you can make the choice that is right for you:
As the name suggests, comprehensive insurance offers the most cover for you and other people’s cars. However, it is important to remember that a comprehensive policy may not cover all eventualities. It is important to read policy details in detail to make sure you understand your level of cover.
Comprehensive cover may be the right option for you if:
✔ You want costs for damage to your car covered
✔ You want accidental damage cover for your car
✔ You want to benefit from the personal accident cover
✔ You want a replacement car while your car is repaired
Comprehensive car insurance can be more expensive than third party fire and theft however it is worth checking this by getting a quote as it is not always the case. It is also worth remembering the added peace of mind this level of car insurance cover provides.
It is the most basic form of car insurance that AIG Ireland offer. It covers your costs if your car is damaged by theft, stolen or damaged by fire.
Third party, fire and theft will also cover the costs of the other person involved in the event of an accident with your car but it will not cover your personal costs or the costs to repair your car if an accident occurs no matter who is at fault.
|What are the advantages of third party fire and theft insurance?||What are the disadvantages of third party fire and theft insurance?|
|Third party fire and theft may be the right option for you if:||Third party, fire and theft may not be the right option for you if:|
|• Your car is low value||• You want cover for accidental damage to your car|
|• Your car is not expensive to repair||• You want extras like a replacement car if your own car is out of action|
|• You are confident you can undertake basic repairs yourself|