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 & 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.

Comprehensive cover and new cars

Purchasing a brand-new car is a big deal, and Comprehensive insurance provides the kind of cover that protects your investment and delivers peace of mind.

At Liberty, our Comprehensive car insurance covers everything from fire and theft to accident recovery and total loss. You also have the option of choosing No Claims Discount Protection, Breakdown Assistance and the cover for driving other cars.

Is Comprehensive car insurance necessary?

Comprehensive car insurance provides additional benefits as compared to a Third Party Only and Third Party, Fire and Theft insurance. 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 put, Comprehensive car insurance gives you complete peace of mind because you, your car and other road users are all protected with this policy.

Third-party liability cover provides the minimum cover required by law. Liberty car insurance, for instance, covers third-party property damage as a result of an insured loss up to €30 million and unlimited cover for third-party personal injury.

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


Checkmark title Cross title

Read our frequently asked questions on Comprehensive car insurance

Third Party cover provides cover which is required under the RTA and covers the vehicle whilst not on a road or in a public place, but remaining within the territorial limits However, it does not cover any damage sustained to the insured vehicle for instance by fire, theft or accidental damage.

Third Party usually covers your legal liability for: Injuries to other people including your passengers or damage to other peoples' property. 

Comprehensive cover is Third Party, Fire & Theft plus cover against the loss or damage (accidental or malicious) to the insured vehicle.

This is more a question of what it is you are looking for.

Third Party Only cover will provide what is needed to meet RTA requirement. Comprehensive cover, on the other hand, provides a broader range of features.

Your car insurance .futureproofed