Levels of cover car insurance

Question 1

comp =

Answer 1

Fully comprehensive cover

Question 2

TPFT =

Answer 2

Third party fire and theft

Question 3

tpo

Answer 3

third party on cover

Question 4

Which offers the greater level of cover

Comp
TP only
TPFT

Answer 4

Comp

Question 5

Comprehensive car insurance – also known as fully comp cover – is one of the higher levels of protection you can get for your motor.

Answer 5

Third-party only and third-party, fire and theft policies cover damage to others as the result of an accident that was deemed your fault. Any damage to your own car is your own problem.
Comprehensive car insurance policies, on the other hand, cover for damage to your car as well.

Question 6

What is TP only

Answer 6

Third-party only insurance (TPO) offers you the legal minimum level of car insurance cover, and is the most basic you’re able to get.

Question 7

What is tp only

Answer 7

This kind of policy helps protect other people, vehicles and property in the event of an accident that was deemed to be your fault.
Say you drive into the rear of someone’s car, causing damage to the bumper and injuring the driver. Your third-party insurance would cover the cost of the other person’s car and medical expenses.
What isn’t covered, though, is damage to your own car or any injuries you suffer. For that, you’d need a comprehensive insurance policy. Otherwise those costs are on you.
In short, third-party only cover is the best way to ensure that, if someone suffers a road accident that isn’t their fault, they can be indemnified.

Question 8

What is third party fire and theft cover

Answer 8

As well as third-party damage, third-party, fire and theft (TPFT) lets you claim for:

1) Replacing your car if it’s stolen
2) Damage that happens as the result of an attempted 3) Theft eg broken door locks or a stolen radio.
4) Fire damage to the car - this cover for fire damage applies to accidental fires
6) As well as arson – though you’ll need a crime reference number to claim for the latter.