This calculator helps you decide between comprehensive and TPFT car insurance. Counterintuitively, comprehensive is often cheaper than TPFT — because drivers seeking cheaper cover cluster in the TPFT pool, raising its risk profile for insurers.
Comprehensive vs Third-Party Insurance
Compare the real value of comprehensive cover vs third-party fire and theft — is the extra cost worth it?
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Compare the three levels of UK car insurance: third party only (the minimum legal requirement), third party fire and theft, and fully comprehensive. Third party only covers damage to other people and their property but not to your own vehicle. Third party fire and theft adds cover for your vehicle if stolen or damaged by fire. Fully comprehensive adds accidental damage cover for your own vehicle. Counterintuitively, comprehensive cover is often priced below TPFT, because TPFT is disproportionately taken out by higher-risk drivers who cannot qualify for or afford full comprehensive quotes. The calculator shows typical premium benchmarks for each tier based on your age, vehicle category, and NCD level — but your individual quotes may invert this relationship. Always obtain actual quotes rather than relying on benchmarks.