Driving without car insurance in the UK is a criminal offence and carries a maximum fine of £5,000 and six to eight penalty points on your driving licence. In some cases, it can even result in a driving ban.

It is a legal requirement for all cars being driven to have a car insurance policy. There are two types of policy available – third party fire and theft and comprehensive. Your car insurance certificate provides proof that you are legally covered to drive your car, so it should always be kept in a safe place.

There are two types of cover available with Churchill:

• Third party, fire and theft
  
• Comprehensive

If you choose a comprehensive or a third party fire and theft policy, you may be covered to drive another person’s car (with their permission) on a third party only basis. However, not all car insurance companies offer a ‘Driving Other Cars’ option, so you should never assume that you are covered – always check your car insurance certificate before you drive someone else’s car.

Comparing car insurance cover 

The level of cover may differ between car insurance companies, which can make it difficult to compare car insurance quotes. Some companies include certain benefits as standard, while others offer to add them on for an extra fee. For example, Churchill comprehensive car insurance includes a courtesy car at no extra cost for the duration of repairs, when you use one of our approved repairers.

The descriptions below will help you to compare car insurance policies and decide on the cover level you need...

Compare car insurance: Third party fire and theft cover

Third party fire and theft covers you for liabilities to other vehicles and property if you cause an accident, and protects your vehicle against any losses through fire and theft.

Compare car insurance: Comprehensive cover

Comprehensive covers you for liabilities to other vehicles and property if you cause an accident, and protects your vehicle against any losses through fire, theft and accidental damage.