Comprehensive Car Insurance

Comprehensive Car Insurance

Custom-built cover, fast claims and up to 25% off when you quote and buy your comprehensive car insurance online. That’s Liberty. 

Online discount applies to new private car policies only. Maximum discount €300. Subject to minimum premium and applied before optional covers. Acceptance criteria, terms and conditions apply.   

What is comprehensive car insurance?

Comprehensive car insurance will give you greater coverage than a third-party or a third-party, fire and theft policy. In addition to covering damage to third parties (other cars on the road), your car will also be covered for loss or damage caused by fire, theft or attempted theft. Including damage or loss caused to your car in an accident (subject to the terms and conditions of the policy).

You can also benefit from a variety of extras and additional cover as summarised below. You can find the full meaning of comprehensive car insurance and a more detailed explanation of each item on our car insurance features and benefits page and, for a quick reference, look at the comparison table below.

Is comprehensive car insurance necessary?

A comprehensive car insurance provides additional benefits as compared to a Third Party Only and Third Party, Fire and Theft insurance. A comprehensive car insurance can help cover the cost of repairing or replacing your car if it gets damaged.  See our table below to compare Comprehensive Cover to Third Party Fire & Theft Cover and Third Party Only Cover.

People often ask why they should have comprehensive car insurance? Simply, comprehensive car insurance gives you complete peace of mind because you, your car and other road users are all protected with this policy.

List of benefits

  Third Party Only Third Party, Fire and Theft Comprehensive
Third Party Liability Y Y Y
Legal Costs Y Y Y
Foreign Use Y Y Y
Claims Buddy Y Y Y
Monthly Payment Plan Y Y Y
Fire N Y Y
Theft N Y Y
Total Loss N Y Y
Accident Recovery N Y Y
Fire Brigade Charges N Y Y
New Car Replacement N Y Y
Radio/Audio/Navigation Cover N Y Y
Own Damage N N Y
Hotel Expenses N N Y
Hire Car for theft N N Y
Medical Expenses N N Y
Courtesy Car N N Y
Windscreen Cover Optional Optional Y
Breakdown Assistance Optional Optional Optional
Driving Other Cars Optional Optional Optional
No Claims Discount Protection Optional Optional Optional
Personal Accident Optional Optional Optional
Loss of Keys Cover Optional Optional Optional
Open Drive Optional Optional Optional
Excess Options N Optional Optional


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