There are three types of insurance cover available, ranging from the minimum standard of third party, to the deluxe package which is known as comprehensive. In the middle there's third party, fire & theft; this latter one is often the minimum offered by many companies, because most claims are for accidental damage rather than fire or theft, so an insurer may as well lump those in with the collision cover.

Comprehensive

• Covers almost every eventuality
  
• Is the most expensive cover
  
• Usually insures the policy holder to drive any car (on a third party only basis)
  
  Third party, fire and theft
  
• Covers third party costs after an accident
  
• Covers theft loss or damage
  
• Covers fire damage
  
• Doesn't cover repairs to your car if the accident is your fault
  
  Third party
  
• The most basic form of insurance
  
• The legal minimum requirement in the UK
  
• Covers third party repairs only
  
• Doesn't cover repairs to your car if the accident is your fault
  

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