Having car insurance in order is mandatory if we want to drive on Spanish roads. However, choosing the most appropriate car insurance for our vehicle can cause us more than one headache due to the different types of policies on the market. One of the most common dilemmas when choosing insurance is deciding on comprehensive coverage or third-party insurance. Both types of policy are equally valid and each one has its advantages. So which one suits you best? The type of car insurance to choose will depend, to a large extent, on your needs and the type of vehicle you drive.
Car insurance must compulsorily cover the civil liability of the driver. Once this need is covered, the insurance can include a huge amount of coverage or protection.
In the case of fully comprehensive car insurance, you will have comprehensive and comprehensive coverage for your vehicle. This option usually covers the damage you may cause to third-party vehicles in the event of an accident or collision. In addition, it protects your vehicle against hypothetical situations that are beyond individual control such as damage from vandalism, theft or even natural disasters.
One of the great advantages of third party insurance is that it is cheaper than comprehensive insurance. However, it does not offer as much protection as the previous one. This type of insurance covers the civil liability of the driver and possible damages that may be caused to third parties in the event of an accident caused by the policyholder of this insurance. It must be taken into account that, in addition to these basic services, each company can include more or less coverage in this type of policy.
If you want to have more coverage but without reaching comprehensive insurance, you can opt for extended third-party insurance that includes glass breakage or fire protection.
If your car is new, you value safety and want to minimize possible risks, comprehensive insurance coverage will give you greater peace of mind compared to other options. If, on the other hand, your car left the dealership years ago and you are not willing to pay a high price for comprehensive insurance, you can assess whether third-party insurance provides you with the coverage you need.
