There are varying levels of car insurance available to UK insurers. A description of each of these levels of cover is given below.

Young Driver Third Party Car Insurance

Third Party car insurance is a legal requirement in the UK . It covers loss or damage to other people and property. Third Party car insurance doesn't cover any personal losses you might incur.

If your car is not worth much you might want to consider Third Party cover. Normally ULR or legal protection only costs around £15 and covers legal costs for recovering losses from third parties who have damaged your vehicle. Fire and Theft cover often makes little difference to your premium.

In fact there are not many insurers who offer Third Party only cover so it is essential to check third party fire and theft as well. You may find that TPFT cover is cheaper than TPO cover as there are more providers of TPFT. Get quotes for both levels of cover and find out which is best for you.

Young Driver Fully Comprehensive Car Insurance

Fully Comprehensive car insurance provides additional cover to that offered with Third Party Fire and Theft car insurance. The most important differences are that damage to your car is insured (subject to any excess that may apply), windscreen cover is also automatically included, personal accident cover for your passengers and yourself is included and stereo/audio equipment is covered as well as your personal effects. You can find information about the excesses for younger drivers on comprehensive cover in our frequent questions zone.

Your new car may be bought using a credit agreement or loan. In this case you'd be obliged to purchase Fully Comprehensive car insurance.