Choosing Car Cover

Comprehensive Cover

This covers you and your vehicle for any accident whether it was your fault or not. So, if the worst happens, you can relax knowing you and your car are fully covered. Read more

Third Party Fire and Theft (TPF&T)

This covers you and your vehicle if it is stolen or bursts into flames. If you are in an accident and it's your fault, you are covered for damages to the other person and their car as well as injuries to third parties. Read more

Third Party Only (TPO)

This covers your legal liability to third parties (that is, damage to their property & compensation for death or injuries caused by an accident that was your fault). It also covers damage and injury caused by your passengers. Read more

Features of insurance cover

The following is a summary only. Please refer to the policy books on the right for full details of all policy benefits, and the terms, conditions and limits that apply to them.

Features of cover Third Party Only Third Party Fire & Theft Comprehensive Cover
Foreign travel  Y  Y  Y
Passenger liability  Y  Y  Y
 Fire damage    Y  Y
 Theft or attempted theft damage    Y  Y
 Unlimited audio cover    Y (up to £100 if not standard fit)  Y (up to £300 if not standard fit)
 Malicious damage      Y
 Glass damage      Y
 Accidental damage      Y
 Courtesy car      Y (provided an authorised repairer is used)
 Personal accident      Y (up to £5,000 for insured and spouse/civil partner)
 Personal effects      Y (up to £150)
 Medical expenses      Y (up to £200)
 Replacement car - New for Old      Y (if vehicle less than 12 months old and you are the first registered keeper)
 Hire car after theft      Y (£20 per day for 5 days)

# Free MOT Terms & Conditions

1. Only purchases that originate directly from the Kwik Fit Insurance Services website (, Compare the Market and GoCompare comparison websites will be eligible for the offer, any purchases through other price comparison websites are excluded.

2. Kwik Fit Insurance Services may, in exceptional circumstances, withdraw or amend this offer at its discretion. In this event, Kwik Fit Insurance Services will provide all qualifying customers reasonable advance notice via email/letter, and will endeavour to provide an alternative offer of the same value. 

3. Is not transferrable. Entitles only the named Kwik Fit Insurance Services policy holder to one free MOT test for the vehicle insured through us. 

4. Free MOT test available at Kwik Fit MOT centres only. Kwik Fit have over 500 MOT Test centres. To locate your nearest Kwik Fit MOT centre please click here. 

5. The MOT must be booked online at, selecting any participating Kwik Fit MOT centre on a date and time that is available. 

6. Valid for 12 months from the date of inception of your insurance policy subject to point 1 above. 

7. Only one MOT test is free. Any re-tests or repairs in connection with the MOT must be paid by you. 

8. Cannot be used in conjunction with any other offer or voucher. 

9. No cash alternative available. 

10. Is not valid in Northern Ireland. 

11. Can only be used for privately owned vehicles.  

12. Cancellation and deferral terms and conditions apply to the MOT booking facility. See for further details.