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Comprehensive Car Insurance

Our comprehensive car insurance policies are designed to provide excellent cover and benefits for greater peace of mind and to all drivers. We believe this is insurance as it should be.

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. Some of our other car insurance cover options won’t. A TPFT* policy does cover damage to your own car if that damage is caused by fire or by theft. A TPO* policy will cover damage to other cars if you’re in an accident and it’s your fault.

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.

Benefits of our Comprehensive Car Insurance

With comprehensive car insurance policies from Liberty Insurance, you can benefit from a variety of extras and additional cover – have a look at the list below.

Of course, all car insurance benefits are subject to the terms and conditions of the policy. Normal underwriting rules and acceptance criteria apply. We reserve the right to refuse insurance cover.

List of Benefits

TPO * TPFT * COMP *
Third Party Liabilityyesyesyes
Legal Costsyesyesyes
Foreign Useyesyesyes
Claims Buddyyesyesyes
Monthly Payment Planyesyesyes
Firenoyesyes
Theftnoyesyes
Total Lossnoyesyes
Accident Recoverynoyesyes
Fire Brigade Chargesnoyesyes
New Car Replacementnoyesyes
Radio/Audio/Navigation Covernoyesyes
Own Damagenonoyes
Hotel Expensesnonoyes
Hire Car for theftnonoyes
Medical Expensesnonoyes
Courtesy Carnonoyes
Windscreen Coveroptionaloptionalyes
Breakdown Assistanceoptionaloptionaloptional
Driving Other Carsoptionaloptionaloptional
No Claims Discount Protectionoptionaloptionaloptional
Personal Accidentoptionaloptionaloptional
Loss of Keys Coveroptionaloptionaloptional
Open Driveoptionaloptionaloptional
Excess Optionsnooptionaloptional