Third party car insurance

Is it still the cheapest option?

How we tested the relative cost of third party car insurance


In January of 2017 we compared car insurance quotes for multiple people using several different price comparison sites. We recorded the premiums for comprehensive, third party, and third-party-fire and-theft policies.

Rather than tabulate the cheapest prices, which could have been distorted if a particular insurer had been running a promotion, we decided to take the average cost of the three cheapest. We felt that this produced a more 'real-world' cost, and it is these averages that we have tabulated below. Finally, we have used a 'traffic light' system to display the prices; the red boxes are the dearest, the amber ones are cheaper and the green ones the cheapest.

It is clear that, according to our figures, buying third party only is usually the dearest option (often by a considerable margin) and comprehensive is usually the cheapest; the exact opposite of the way things were a decade or so ago.


number comprehensive 3rd party 3rd party fire and theft
1 382.72 474.20 474.20
2 1445.49 1665.67 1545.55
3 512.17 773.09 482.60
4 407.96 631.81 443.08
5 932.42 1306.21 1106.21
6 640.23 864.09 488.38
7 461.22 644.36 490.87
8 939.06 1106.22 1089.55
9 1541.27x 2820.62 1348.45
10 539.65 768.36 781.84
11 481.42 704.23 527.73
12 837.47 811.80 812.53
13 286.92 798.97 286.93
14 379.57 438.09 347.36
15 730.81 2027.25 680.61
16 396.26 697.48 430.26
17 1333.21 1368.87 1164.90
18 620.57 823.42 688.26
19 805.88 786.87 781.88
20 1648.13 1494.53 1356.37
21 789.76 1020.89 912.62
22 1003.61 2002.43 1334.67
23 629.90 837.66 698.02
24 1324.89 1561.86 1115.03
25 799.27 1548.41 729.09
26 1661.94 2744.96 1335.48
27 789.76 1281.56 912.62
28 1165.14 1975.61 1314.87
29 353.64 475.19 475.19
30 1556.56 2298.53 1604.13
31 492.28 1017.65 481.51
32 419.31 658.68 403.81
33 841.20 1215.47 1114.23
34 1823.47 2813.97 2422.60
35 575.97 768.47 748.15
36 481.74 615.38 553.30
37 863.87 1763.16 812.90
38 283.94 1509.26 283.85
39 575.97 776.83 760.84
40 954.59 2281.81 726.21
41 369.26 618.16 421.47
42 635.96 1109.82 682.94
43 1306.54 1127.50 1132.26
44 789.00 793.10 784.08
45 1683.02 1268.30 1276.00
46 919.45 912.73 871.03
47 1012.83 1951.85 1511.03
48 320.30 460.90 368.03
49 1618.32 5043.86 1587.30
50 524.00 807.39 490.47


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thirdpartycarinsurance.org.uk is a trading style of Prudent Plus Ltd of Booths Hall, Booths Park, Chelford Road Knutsford WA16 8GS.
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