What Does Car Insurance Cover?

5/18/2026

So, what does car insurance cover? Keep reading to find out.

Third Party Only

This is the minimum level of cover required by law. It pays for damage you cause to other people, their vehicles, or their property, but it does not cover repairs to your own car.

Third Party, Fire and Theft

This includes everything in Third Party Only, plus cover if your vehicle is stolen or damaged by fire.

Fully Comprehensive

Fully comprehensive insurance offers the highest level of protection. It includes third-party cover, fire and theft, and damage to your own vehicle, even if the accident was your fault.

What Fully Comprehensive Insurance Usually Covers

Most policies include:

Damage to your own car
Damage to other vehicles and property
Injury to drivers, passengers, and pedestrians
Fire damage
Theft and attempted theft
Windscreen repairs
Personal belongings up to a set limit

Optional Extras

Many insurers offer extras such as:

Breakdown cover
Legal expenses cover
Courtesy car
No claims discount protection

What Is Not Covered?

Policies usually exclude:

Wear and tear
Mechanical failures
Driving under the influence
Using your car for business if not declared

Find the Right Cover with Rooster

The Rooster app compares quotes from over 100 providers and helps you find the right policy in under a minute. You can also save up to 40% on car insurance with our Test Drive feature, get breakdown cover from just £2.99 per month, and save up to 50% on MOTs, services, and repairs.

Download the Rooster app today and get the cover that suits your needs.