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Comparison of comprehensive and 3rd party prices

These are the results of a hundred car insurance price comparisons we made, for people with different ages, cars, addresses etc. We recorded the quotations for comprehensive, third party fire and theft (TPFT), and third party only cover.

Where third party only cover was the cheapest option, the quote is highlighted in red, and the last column shows the potential savings between the price for comprehensive and TPFT cover. Where the TPFT policies are more expensive, this is shown as a negative figure.

As you can see, from the absence of red figures, in most cases third party cover was not the cheapest option! See the breakdown at the bottom of the table.

Comprehensive 3rd party fire & theft Third party only Savings
622.65 620.73 620.73 1.92
1282.25 963.60 960.30 318.65
786.35 770.45 788.70 15.90
1481.70 1086.80 1080.20 394.90
831.95 831.95 872.30 0
3187.54 8169.70 8133.40 -4982.16
939.49 1310.10 1884.82 -370.61
342.12 342.12 370.09 0
1485.47 1510.90 4109.60 -25.43
508.75 435.11 767.80 73.64
429.44 339.62 504.87 89.82
916.62 964.04 964.04 -47.42
1468.37 1288.95 1421.88 179.42
508.87 620.73 620.73 -111.86
336.26 347.60 633.20 -11.34
806.30 808.50 807.40 -2.20
271.73 276.97 785.40 -5.24
367.84 306.78 433.48 61.06
679.77 636.45 636.45 43.32
343.32 347.18 692.14 -3.86
616.41 650.66 650.66 -34.25
1303.20 982.30 1303.20 320.90
786.35 625.91 1303.20 160.44
1613.39 1183.60 1561.96 429.89
502.25 831.95 883.95 -329.70
3604.87 7990.40 10833.90 -4385.53
342.12 342.12 342.12 0
476.70 416.90 729.77 59.80
374.37 298.29 430.33 76.08
835.47 1002.34 1002.34 -166.87
1398.50 1351.95 1421.88 46.55
516.65 636.06 636.06 -119.41
336.26 347.60 709.56 -11.34
834.90 808.50 1526.21 26.40
273.43 273.43 1417.62 0
502.25 469.73 735.45 32.52
843.21 698.94 728.77 144.27
343.32 347.18 490.56 -3.86
939.49 1139.60 1893.93 -200.11
1485.47 1524.21 1524.21 -38.74
502.25 487.30 735.45 14.95
637.75 636.06 636.06 1.69
1303.20 1285.90 1303.20 17.30
787.84 722.66 797.50 65.18
1644.50 1206.70 1452.00 437.80
1300.16 1177.00 1171.50 123.16
8354.50 8511.80 9999.00 -157.30
1274.90 1271.60 1745.08 3.30
373.75 386.32 386.32 -12.57
1524.21 1434.62 1524.21 89.59
460.86 386.07 646.80 74.79
442.76 471.16 648.71 -28.40
760.91 964.04 964.04 -203.13
1468.31 1288.81 1421.84 179.50
576.24 620.73 620.73 -44.49
467.78 412.10 620.73 55.68
834.90 815.10 814.00 19.80
297.93 301.22 795.30 -3.29
706.71 636.45 636.45 70.26
343.32 511.73 706.99 -168.41
622.65 636.41 636.41 -13.76
1303.20 963.12 1155.00 340.08
786.35 737.95 794.20 48.40
1613.43 1414.82 1443.20 198.61
1253.03 1196.80 1191.30 56.23
3659.63 8595.88 9284.00 -4936.25
939.49 1181.40 1175.90 -241.91
373.46 373.46 373.46 0
1524.21 1524.21 1524.21 0
488.80 434.11 792.00 54.69
374.37 298.29 430.33 76.08
917.08 1395.55 1395.55 -478.47
1401.00 1288.81 1421.84 112.19
516.65 621.81 621.81 -105.16
336.26 339.90 389.98 -3.64
702.60 818.40 817.30 -115.80
271.73 269.02 781.00 2.71
706.48 505.43 803.00 201.05
671.37 698.94 729.77 -27.57
343.32 341.18 401.63 2.14
1030.20 1023.00 1226.50 7.20
614.41 620.73 620.73 -6.32
786.35 770.45 785.40 15.90
1578.50 1206.70 1433.80 371.80
502.25 831.95 883.95 -329.70
3604.87 8430.40 10820.20 -4825.53
988.01 1157.20 1939.15 -169.19
355.52 355.52 355.52 0
1326.79 1524.21 1524.21 -197.42
476.70 416.90 729.77 59.80
374.37 298.29 430.33 76.08
916.62 964.04 964.04 -47.42
1448.50 1401.95 1421.99 46.55
516.65 620.73 620.73 -104.08
336.26 347.60 412.17 -11.34
808.50 811.80 810.70 -3.30
271.73 273.43 787.60 -1.70
502.25 469.73 659.77 32.52
706.71 636.45 636.45 70.26
343.21 347.18 501.40 -3.97

How does the price difference stack up?


Conclusion: to find the cheapest cover, you need to check comprehensive prices, as well as third party fire and theft. Treat third party only with extreme caution!

Finally: Click here and compare lots of very cheap car insurance quotes!



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