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There are many different insurance categories, with price, performance, and the cost of replacement parts the main factors that dictate the one your car falls into.
This is an added extra that will cost you around £50 or more, depending on your insurance cost.
Third party insurance is the minimum legal cover allowed and is typically comparatively cheaper.
It covers damage to the other person's car or compensation but if your own car is stolen, burnt out or damaged it is not covered.
It means that if you make a claim you do not lose your all important no claims discount.
Usually, it protects you against the first one or two claims in a year, or over a longer period.
It is possible to make your insurance cheaper by increasing the 'excess' amount on the policy.