More policies available to you

Since insurance companies are essentially in the business of making money and many car owners are looking to protect their vehicles beyond the limits of a third party fire and theft policy, other cover exists at a higher premium than the aforementioned.

Fully comprehensive cover provides the same cover as third party fire and theft and more besides. It also covers you should your vehicle be damaged in an accident or maliciously by some filthy little ragamuffin or ne'er-do-well. Many additions to this level of cover are available from insurance companies, including providing a courtesy car whilst your car is being repaired, legal expenses insurance to recover your uninsured losses (such as your excess), roadside recovery schemes, vehicle repairs in case of breakdown and more.

Always read the small print closely on any insurance policy however since while you may think your all singing all dancing three thousand pound a year policy insures your brand new all singing all dancing eighty thousand pound Ferrari Tesstarosa against any eventuality whatsoever, your insurance company may have written something into the small print that renders your policy void in the event of an act of god or some similarly bizarre event.

If you have any doubts whatsoever then have a lawyer read over your policy. While this obviously incurs extra expense it may be in your best interest in the long run to ensure that your pride and joy is fully protected and you aren't forced to pay out of your own pocket should it be struck by a freak bolt of lightning.