When it comes to car insurance, you’ve got a couple of choices: full comprehensive or third party, fire and theft. But, for many of us, it’s not quite clear what the difference between the two are. That’s why we’re here – to help you understand your different options. So, if you’re not sure which route to take, read on and let’s get you covered!

What is comprehensive car insurance?

Let’s approach the most pressing question first: fully comp, what is it?

With fully comprehensive cover, your car is protected against everything included in third party, fire and theft cover. The main difference between the two is that your car is also cover for accidental damage , even if you were at fault. This added bonus gives you extra peace of mind. Should the worst happen to your car, we’ve got you covered. Simple.

There’s a few other differences between the two. You’ll find a comparison chart below, to help you work out what kind of cover suits you:

Feature

AXA Third-Party, Fire and Theft

AXA Comprehensive

Damage to other people's cars or property Included Included
Injury to other people Included Included
Repair or replacement of your car if it is damaged by fire Included Included
Repair or replacement of your car if it is stolen or damaged by theft Included Included
Replacement of child car seats if stolen or damaged by theft or fire Included Included
Overnight accommodation or onward travel* Included Included
Courtesy car** Included Included
Lifetime guarantee on repairs*** Included Included
Cover to drive your car in Europe for up to 90 days Included Included
Replacement keys or locks if your car keys are stolen Included Included
Round the clock support with our 24 hour claims line Included Included
Repair or replacement of your car if it is damaged accidentally - even if it was your fault Not included Included
Replacement of child car seats involved in an accident Not included Included
£5,000 personal accident cover Not included Included
Windscreen repair or replacement Not included Included
Replacement keys or locks if your car keys are lost accidentally Not included Included
Cover in case you put the wrong fuel in your car Not included Included
Uninsured driver promise Not included Included

Are there any optional extras with comprehensive car insurance?

Here at AXA, we offer a range optional extras to complement your comprehensive car insurance. You’ve got some great options to choose from, including courtesy car upgrades and no claims discount protection. This will help you tailor your cover to your own needs.

Want to know more? Well, explore the full range of optional extras!

How much does comprehensive car insurance cost?

If all of this sounds good to you (and we hope it does), you’ll likely have one last burning question: price.

While we can’t give you a price here and now – after all, price varies on a range of different factors – you can get a quote quickly with AXA and have your price in minutes.

* If your car can't be driven following damage covered by your policy.

** Subject to availability. 3 door l litre manual car provided whilst your car is being repaired by our approved repairer, or max 14 days for theft or total loss. Terms, conditions, exclusions and limitations apply.

*** From our approved network for as long as you own your car.

You'll get back your no claims discount and excess if your car is damaged by an uninsured driver. You will need to provide the make, model and registration number of the other car in the event of a claim. Applies when you are not to blame.