What sort of car insurance do I need?

There are three levels of car insurance available in the UK today: third party; third party, fire and theft; and comprehensive.
Third party cover, which only pays out for damage to other people and their property caused by you, is usually - but not always - the cheapest. However, you will have to pay to repair or replace to your vehicle if it is involved in an accident, stolen or damaged by vandals or thieves.
You may therefore prefer to take out third party, fire and theft cover, which also protects you against fire damage and theft, or fully comprehensive insurance that also covers damage to your vehicle caused by a crash.