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What car insurance is right for you?

Choosing your level of cover

The LV= green car with a heart

The different levels of car insurance

If you drive a car in the UK, its a legal requirement that you're insured. This insurance is there to protect you should anything happen, and depending on your level of cover could range from damage you cause to other's property, injuries to yourself or others, or damage to your insured car.

We offer two levels of car insurance cover to choose from, so what car insurance level of cover is right for you?

Defaqto 2018 - 5 Star car insurance

Or call our UK call centre on

0800 202 8460

Existing customer contact details

8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday

Calls will be recorded

Third Party, Fire and Theft

Third Party, Fire and Theft covers you for any damage you cause to others (third parties), including:

  • Unlimited cover for death or bodily injury caused to any third parties
  • Up to £20,000,000 for damage to third party property
  • There's no cover for accidental damage to the car you're driving

It also includes loss or damage to the insured car resulting from:

  • fire
  • lightning
  • explosion
  • theft or attempted theft


Comprehensive cover provides the same cover for Third Party, Fire and Theft, but also includes

  1. Any accidental damage or vandalism to the insured car
  2. Uninsured driver promise
  3. Misfuelling cover
  4. £10,000 personal accident cover for you, your partner or any named driver

Advantage of comprehensive policies

With comprehensive car insurance, you can make a claim for accidents that are your fault or where fault can't be proven - for example if you return to your parked car and find it's been damaged by an unknown vehicle.

If you chose not to have comprehensive insurance cover, you may have to pay the bills for this type of damage to your car, which could become costly to repair.

Comprehensive insurance gives you the peace of mind that, whatever happens on the road, your financial losses should be limited to the value of the excess on your policy.