Just been on compare the market, £962 for my first year, I've heard worse for a first car but still seems pretty expensive, do I need comprehensive, third party and fire or third party? So complicated.
Depends on what level of cover you want.
Third party only is the lowest level so if you were in an accident that's your fault, your insurance would only cover the cost of damage to the other vehicle(s), not yours. There may also be other restrictions, depending on the T&Cs, like they'll only cover damage to the other car and not contents/personal injury.
Third party, fire and theft is as above plus cover if your car is damaged by fire or stolen.
Comprehensive covers all of the above plus the damage to your own vehicle/you if you're in an accident.
Windscreen repairs are also more likely to be free if you're "fully comp" (comprehensive cover) but you'll probably have to pay for them on any other type of cover.
Naturally, third party or third party, fire and theft will be cheaper as the insurance company is open to a lower financial liability if you have an accident. However, whilst the premium will be lower, if you have an accident and write your car off, you'll have to foot the entire bill yourself, so it could get very expensive!
It might also depend on your age because some companies will only cover drivers of a certain age for third party and some will only do comprehensive cover.
