Comprehensive
Comprehensive Car Insurance
Full cover for your own car as well as other people — accident damage, fire, theft, windscreen and more.
Best for: Newer, financed or higher-value cars, and anyone who wants peace of mind.
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TPFT
Third-Party, Fire & Theft
Covers your liability to others, plus your own car against fire and theft — a middle step below comprehensive.
Best for: Mid-value cars where full own-damage cover feels like more than you need.
TPO
Third-Party Only
The legal minimum — covers your liability to other people, but nothing for your own car.
Best for: Older, low-value cars near the end of their COE.
Optional benefits
Add these to any tier to tune your policy to how you really drive.
NCD Protector
Keeps your No-Claim Discount intact even after one at-fault claim, so a single bad day does not reset years of safe driving.
Any-Workshop Choice
Upgrade from the authorised-workshop panel so you can repair at your own preferred or marque-specialist workshop.
24h Roadside & Towing
A flat battery, a punctured tyre or a breakdown on the PIE at midnight — one call gets help and a tow to a workshop.
Named-Driver Extension
Add a spouse, parent or regular driver to the policy at a fair rate, instead of an open-driving loading you do not need.
Not sure which tier fits your car?
Run the estimator with your details and the right cover type usually becomes obvious — or just ask an adviser to weigh it up with you.
Try the premium estimator