{"id":3933,"date":"2025-12-18T16:49:31","date_gmt":"2025-12-18T16:49:31","guid":{"rendered":"https:\/\/discountagent.co.uk\/blog\/?p=3933"},"modified":"2026-01-01T14:46:21","modified_gmt":"2026-01-01T14:46:21","slug":"what-type-of-car-insurance-suits-you-more-the-break-even-math","status":"publish","type":"post","link":"https:\/\/discountagent.co.uk\/blog\/what-type-of-car-insurance-suits-you-more-the-break-even-math\/","title":{"rendered":"What Type Of Car Insurance Suits You More: The Break-Even Math"},"content":{"rendered":"\n<p><em>You&#8217;re renewing. The third party costs \u00a3456. Comprehensive wants \u00a3589.<\/em><\/p>\n\n\n\n<p>The difference? \u00a3133 a year. Easy decision, right? Save the money.<\/p>\n\n\n\n<p>Except here&#8217;s what nobody tells you. If you crash your car once \u2014 just once \u2014 that &#8220;saving&#8221; evaporates instantly. Along with several thousand pounds you didn&#8217;t budget for.<\/p>\n\n\n\n<p>The question isn&#8217;t <a href=\"https:\/\/www.abi.org.uk\/news\/news-articles\/2025\/11\/three-straight-quarters-of-falling-motor-premiums\/\">which premium costs less<\/a>. It&#8217;s which option costs less when things go wrong.<\/p>\n\n\n\n<p>Let&#8217;s run the actual numbers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-false-economy-everyone-falls-for\"><strong>The False Economy Everyone Falls For<\/strong><\/h2>\n\n\n\n<p>Picture this scenario:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-False-Economy-Everyone-Falls-For.webp\" alt=\"\" class=\"wp-image-4400\" srcset=\"https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-False-Economy-Everyone-Falls-For.webp 1024w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-False-Economy-Everyone-Falls-For-300x164.webp 300w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-False-Economy-Everyone-Falls-For-768x419.webp 768w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-False-Economy-Everyone-Falls-For-769x420.webp 769w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-False-Economy-Everyone-Falls-For-150x82.webp 150w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-False-Economy-Everyone-Falls-For-696x380.webp 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>You choose third party fire and theft at \u00a3456 annually. <a href=\"https:\/\/www.abi.org.uk\/news\/news-articles\/2025\/11\/three-straight-quarters-of-falling-motor-premiums\/#:~:text=Motor%20insurance%20premiums%20have%20dropped%20each%20quarter,lower%20than%20the%20same%20period%20in%202024\">Comprehensive would have cost \u00a3589<\/a>. You&#8217;re &#8220;saving&#8221; \u00a3133 every year. Feels sensible.<\/p>\n\n\n\n<p>Then you misjudge a corner in the rain. Not badly. Just enough. Your \u00a38,000 car hits a lamppost.<\/p>\n\n\n\n<p><strong>What happens with third party:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your car repair bill: \u00a35,191 (UK average collision repair)<\/li>\n\n\n\n<li>Or if written off: \u00a38,000 replacement<\/li>\n\n\n\n<li>Courtesy car while sorting it: \u00a350\/day \u00d7 10 days = \u00a3500<\/li>\n\n\n\n<li>Your total cost: \u00a35,691 minimum<\/li>\n<\/ul>\n\n\n\n<p><strong>What happens with comprehensive:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your excess: \u00a3450 (\u00a3250 compulsory + \u00a3200 voluntary)<\/li>\n\n\n\n<li>Everything else: covered<\/li>\n\n\n\n<li>Your total cost: \u00a3450<\/li>\n<\/ul>\n\n\n\n<p>The difference? \u00a35,241.<\/p>\n\n\n\n<p>That&#8217;s 39 years of your annual &#8220;saving&#8221; wiped out by one crash.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-confident-are-you\"><strong>How Confident Are You?<\/strong><\/h3>\n\n\n\n<p>Be honest. Could you drive 39 years without one at-fault incident?<\/p>\n\n\n\n<p>No skidding on ice. No misjudged parking. No moment where you glance at your phone for two seconds. No other driver forcing you into a kerb.<\/p>\n\n\n\n<p>87.2% of UK drivers choose comprehensive. Not because they&#8217;re wasteful. Because the maths doesn&#8217;t support gambling.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-car-value-calculation-that-actually-matters\"><strong>The Car Value Calculation That Actually Matters<\/strong><\/h2>\n\n\n\n<p>Forget what &#8220;people like you&#8221; supposedly buy. Here&#8217;s the formula that works:<\/p>\n\n\n\n<p><strong>Break-even calculation:<\/strong><\/p>\n\n\n\n<p>Car Value \u00f7 Annual Premium Difference = Years you need accident-free<\/p>\n\n\n\n<p>Let&#8217;s run real scenarios with UK average premiums:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Your Car Value<\/strong><\/td><td><strong>Third Party (\u00a3456)<\/strong><\/td><td><strong>Comprehensive (\u00a3589)<\/strong><\/td><td><strong>You &#8220;Save&#8221;<\/strong><\/td><td><strong>One Crash Costs You<\/strong><\/td><td><strong>Break-Even Years<\/strong><\/td><\/tr><tr><td>\u00a32,000<\/td><td>\u00a3456<\/td><td>\u00a3589<\/td><td>\u00a3133<\/td><td>\u00a32,000<\/td><td>15 years<\/td><\/tr><tr><td>\u00a35,000<\/td><td>\u00a3456<\/td><td>\u00a3589<\/td><td>\u00a3133<\/td><td>\u00a35,000<\/td><td>37.6 years<\/td><\/tr><tr><td>\u00a38,000<\/td><td>\u00a3456<\/td><td>\u00a3589<\/td><td>\u00a3133<\/td><td>\u00a38,000<\/td><td>60 years<\/td><\/tr><tr><td>\u00a316,000<\/td><td>\u00a3456<\/td><td>\u00a3589<\/td><td>\u00a3133<\/td><td>\u00a316,000<\/td><td>120 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The average used car in the UK costs \u00a316,000. To justify third party on a car that valuable, you&#8217;d need to drive crash-free until you&#8217;re 137 years old.<\/p>\n\n\n\n<p>Possible? Technically. Probable? No.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-check-your-own-numbers\"><strong>Check Your Own Numbers<\/strong><\/h3>\n\n\n\n<p>Look up your car&#8217;s current value on AutoTrader. Be realistic \u2014 use &#8220;good condition&#8221; pricing, not &#8220;excellent.&#8221;<\/p>\n\n\n\n<p>Got the number? Now divide it by \u00a3133.<\/p>\n\n\n\n<p>That&#8217;s how many consecutive years you need without one mistake for third party to make financial sense.<\/p>\n\n\n\n<p>Still feeling confident?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-third-party-genuinely-works\"><strong>When Third Party Genuinely Works<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/When-Third-Party-Genuinely-Works.webp\" alt=\"\" class=\"wp-image-4402\" srcset=\"https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/When-Third-Party-Genuinely-Works.webp 1024w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/When-Third-Party-Genuinely-Works-300x164.webp 300w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/When-Third-Party-Genuinely-Works-768x419.webp 768w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/When-Third-Party-Genuinely-Works-769x420.webp 769w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/When-Third-Party-Genuinely-Works-150x82.webp 150w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/When-Third-Party-Genuinely-Works-696x380.webp 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>The maths can favour third party. Just rarely.<\/p>\n\n\n\n<p><strong>You need ALL of these to be true:<\/strong><\/p>\n\n\n\n<p>\u2705 Car worth under \u00a32,000<br>\u2705 You have \u00a35,000+ in accessible savings<br>\u2705 You could replace the car tomorrow without hardship<br>\u2705 Low annual mileage (under 5,000 miles)<br>\u2705 Car not essential for work commute<br>\u2705 Low-risk area (not London with its 11.8 thefts per 1,000 people)<\/p>\n\n\n\n<p>Miss even one? Comprehensive wins.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-real-person-this-works-for\"><strong>The Real Person This Works For<\/strong><\/h3>\n\n\n\n<p>&#8220;2007 Corsa worth \u00a31,400. Drives 3,000 miles annually for leisure. Has \u00a37,000 emergency fund. Works from home. Lives in rural Devon.&#8221;<\/p>\n\n\n\n<p>For this person: Third party saves \u00a3133\/year. If the Corsa gets totaled, they can absorb the \u00a31,400 loss without disrupting their life. Car is nice-to-have, not essential.<\/p>\n\n\n\n<p>Everyone else? Different story.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-emergency-fund-reality-check\"><strong>The Emergency Fund Reality Check<\/strong><\/h2>\n\n\n\n<p>Even if break-even maths look okay-ish, ask yourself this:<\/p>\n\n\n\n<p><strong>&#8220;Could I replace my car tomorrow from savings?&#8221;<\/strong><\/p>\n\n\n\n<p>Not eventually. Not by shuffling credit cards. Tomorrow. Cash. Done.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.ons.gov.uk\/releases\/householdsfinancesandsavings\">UK savings reality<\/a> makes this uncomfortable:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>39% of adults have \u00a31,000 or less in savings<\/li>\n\n\n\n<li>16% have nothing at all<\/li>\n\n\n\n<li>Average collision repair: \u00a35,191<\/li>\n\n\n\n<li>Average total loss: \u00a38,000-\u00a316,000<\/li>\n<\/ul>\n\n\n\n<p>If you have \u00a31,500 in savings and a \u00a37,000 car, third party isn&#8217;t &#8220;saving money.&#8221; It&#8217;s betting you can dodge probability forever while having no safety net when you lose.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-honest-test\"><strong>The Honest Test<\/strong><\/h3>\n\n\n\n<p>Open your banking app right now.<\/p>\n\n\n\n<p>Look at immediately accessible money. Not pension. Not locked ISA you&#8217;d pay penalties to touch. Not &#8220;I could borrow from family&#8221; fantasy money. Actual cash you could spend today.<\/p>\n\n\n\n<p>Could that number buy your current car?<\/p>\n\n\n\n<p>If the answer is no, you&#8217;re underinsured.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-comprehensive-is-obviously-better\"><strong>When Comprehensive Is Obviously Better<\/strong><\/h2>\n\n\n\n<p>For most UK drivers, comprehensive makes clear sense:<\/p>\n\n\n\n<p>\u2705 Car worth over \u00a33,000<br>\u2705 Savings under \u00a35,000<br>\u2705 You need the car for work<br>\u2705 High mileage (over 8,000 annually)<br>\u2705 Financed or leased vehicle<br>\u2705 Live in urban area<br>\u2705 Cannot absorb sudden \u00a35,000+ expense<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-person-who-needs-comprehensive\"><strong>The Person Who Needs Comprehensive<\/strong><\/h3>\n\n\n\n<p>&#8220;2019 Focus worth \u00a39,000. Drives 12,000 miles yearly to office. Has \u00a32,500 in savings. Lives in Birmingham. Still paying finance on it.&#8221;<\/p>\n\n\n\n<p>For this person: Third party &#8220;saves&#8221; \u00a3133\/year. One at-fault crash costs \u00a39,000 they don&#8217;t have. Would take 67 years accident-free to break even. Finance company requires comprehensive anyway.<\/p>\n\n\n\n<p>The &#8220;saving&#8221; is imaginary. The risk is real.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-hidden-costs-nobody-calculates\"><strong>The Hidden Costs Nobody Calculates<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"811\" src=\"https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-Hidden-Costs-Nobody-Calculates.webp\" alt=\"The Hidden Costs Nobody Calculates\" class=\"wp-image-4404\" srcset=\"https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-Hidden-Costs-Nobody-Calculates.webp 1024w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-Hidden-Costs-Nobody-Calculates-300x238.webp 300w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-Hidden-Costs-Nobody-Calculates-768x608.webp 768w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-Hidden-Costs-Nobody-Calculates-530x420.webp 530w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-Hidden-Costs-Nobody-Calculates-150x119.webp 150w, https:\/\/discountagent.co.uk\/blog\/wp-content\/uploads\/2025\/12\/The-Hidden-Costs-Nobody-Calculates-696x551.webp 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Third party looks cheaper until you crash. Then the costs multiply beyond just the car.<\/p>\n\n\n\n<p><strong>What one at-fault collision actually costs:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car repair\/replacement: \u00a35,191 average (or full car value if written off)<\/li>\n\n\n\n<li>Courtesy car hire: \u00a350\/day \u00d7 14 days = \u00a3700<\/li>\n\n\n\n<li>Buying replacement urgently: Overpay by \u00a3800-\u00a31,200 (no time to negotiate)<\/li>\n\n\n\n<li>Emergency finance if needed: 15% APR on \u00a35,000 = \u00a3375 interest year one<\/li>\n\n\n\n<li>Time off work sorting it: 2 days = \u00a3250 lost wages<\/li>\n\n\n\n<li>Higher premiums next year: +20-30% regardless of cover type<\/li>\n<\/ul>\n\n\n\n<p><strong>Real scenario with \u00a38,000 car:<\/strong><\/p>\n\n\n\n<p>Third party holder&#8217;s crash total:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car: \u00a38,000<\/li>\n\n\n\n<li>Hire car: \u00a3700<\/li>\n\n\n\n<li>Rushed replacement overpayment: \u00a31,000<\/li>\n\n\n\n<li>Finance interest: \u00a3400<\/li>\n\n\n\n<li>Lost wages: \u00a3250<\/li>\n\n\n\n<li><strong>Total: \u00a310,350<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Comprehensive holder&#8217;s crash total:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Excess: \u00a3450<\/li>\n\n\n\n<li><strong>Total: \u00a3450<\/strong><\/li>\n<\/ul>\n\n\n\n<p>That&#8217;s 78 years of the annual &#8220;saving&#8221; gone in one afternoon.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-theft-factor\"><strong>The Theft Factor<\/strong><\/h2>\n\n\n\n<p>Vehicle theft adds another dimension.<\/p>\n\n\n\n<p>London sees 11.8 thefts per 1,000 people yearly. West Midlands: 7.7 per 1,000. South Yorkshire: 8.6 per 1,000.<\/p>\n\n\n\n<p>Average stolen vehicle value when not recovered: \u00a320,000 (yes, thieves target expensive cars).<\/p>\n\n\n\n<p>If you live in Manchester with a \u00a315,000 car and third party cover, one theft wipes out 112 years of your \u00a3133 annual saving.<\/p>\n\n\n\n<p>Third party fire and theft covers this. But only if it&#8217;s stolen or burned. If it&#8217;s crashed? You&#8217;re still paying.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-finding-the-right-policy-after-you-ve-done-the-maths\"><strong>Finding the Right Policy After You&#8217;ve Done the Maths<\/strong><\/h2>\n\n\n\n<p>Once you know which cover level suits your actual situation, the next step is comparing providers for that level.<\/p>\n\n\n\n<p>Premiums for identical cover vary massively between insurers. The same comprehensive policy can cost \u00a3589 at one company and \u00a3720 at another. They&#8217;re assessing your risk differently.<\/p>\n\n\n\n<p>When <a href=\"https:\/\/www.hastingsdirect.com\/car-insurance\/\">comparing reliable car insurance that meets your needs<\/a>, check beyond the headline premium:<\/p>\n\n\n\n<p><strong>The details that matter:<\/strong><\/p>\n\n\n\n<p>Compulsory excess: Usually \u00a3200-\u00a3250 but can hit \u00a33,000<\/p>\n\n\n\n<p>Voluntary excess: Adding \u00a3100-\u00a3500 drops premium but increases out-of-pocket cost<\/p>\n\n\n\n<p>Courtesy car: Included or not? Worth \u00a350\/day if you need it<\/p>\n\n\n\n<p>Windscreen cover: Separate low excess (\u00a350-\u00a3100) or part of main excess?<\/p>\n\n\n\n<p>Breakdown cover: Bundled or separate? Standalone costs \u00a325-\u00a3300 yearly<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-total-cost-calculation\"><strong>The Total Cost Calculation<\/strong><\/h3>\n\n\n\n<p>Don&#8217;t just chase the cheapest headline premium.<\/p>\n\n\n\n<p>Compare: Total potential cost = Premium + Likely excess + Essential add-ons<\/p>\n\n\n\n<p>A \u00a3520 policy with \u00a3800 total excess might cost more when you claim than a \u00a3580 policy with \u00a3300 excess.<\/p>\n\n\n\n<p>Do the maths. Actually do it. Most people skip this and regret it later.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-verdict\"><strong>The Verdict<\/strong><\/h2>\n\n\n\n<p>The cheapest premium rarely equals the smartest choice.<\/p>\n\n\n\n<p>For 87.2% of UK drivers choosing comprehensive, the decision comes down to simple probability:<\/p>\n\n\n\n<p>Can you genuinely go decades without one mistake while other drivers around you make mistakes that involve your car?<\/p>\n\n\n\n<p>The average used car costs \u00a316,000. Third party on that vehicle requires 120 years accident-free to break even on the \u00a3133 annual saving. Nobody lives that long.<\/p>\n\n\n\n<p><strong>Third party genuinely works for:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very cheap cars (under \u00a32,000)<\/li>\n\n\n\n<li>Owned by people with substantial emergency funds (\u00a35,000+)<\/li>\n\n\n\n<li>Who drive rarely in low-risk areas<\/li>\n<\/ul>\n\n\n\n<p>That describes perhaps 5-10% of UK drivers.<\/p>\n\n\n\n<p><strong>Everyone else:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cars worth \u00a33,000+<\/li>\n\n\n\n<li>Limited savings cushions<\/li>\n\n\n\n<li>Essential commuting<\/li>\n\n\n\n<li>Urban areas<\/li>\n<\/ul>\n\n\n\n<p>Comprehensive isn&#8217;t the &#8220;expensive&#8221; option. It&#8217;s the one that prevents catastrophic expense you cannot absorb.<\/p>\n\n\n\n<p>Choosing third party to &#8220;save&#8221; \u00a3133 while driving an \u00a38,000 car with \u00a31,800 in savings isn&#8217;t frugal.<\/p>\n\n\n\n<p>It&#8217;s hoping probability makes an exception for you.<\/p>\n\n\n\n<p>It rarely does.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-references\"><strong>References<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Association of British Insurers: UK motor insurance premium tracker (Q1-Q3 2025 data, \u00a3589 comprehensive average Q1 2025)<\/li>\n\n\n\n<li>ABI Claims Data: Average repair costs (\u00a35,191), total claims paid (\u00a311.7bn), vandalism costs (\u00a32,786)<\/li>\n\n\n\n<li>ONS Financial Survey: UK household savings statistics (39% with \u00a31,000 or less, 53% with \u00a35,000+)<\/li>\n\n\n\n<li>Auto Trader: Average used car values (\u00a316,000 median retail 2025)<\/li>\n\n\n\n<li>Police Crime Statistics: Regional vehicle theft rates (London 11.8 per 1,000, West Midlands 7.7, South Yorkshire 8.6)<\/li>\n\n\n\n<li>RAC\/AA: Breakdown cover pricing (\u00a324-\u00a3300 annually), courtesy car rental rates (\u00a335-\u00a375\/day)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>You&#8217;re renewing. The third party costs \u00a3456. Comprehensive wants \u00a3589. The difference? \u00a3133 a year. Easy decision, right? Save the money. Except here&#8217;s what nobody tells you. If you crash your car once \u2014 just once \u2014 that &#8220;saving&#8221; evaporates instantly. Along with several thousand pounds you didn&#8217;t budget for. The question isn&#8217;t which premium [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3937,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[124],"tags":[],"class_list":{"0":"post-3933","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Type Of Car Insurance Suits You More: The Break-Even Math<\/title>\n<meta name=\"description\" content=\"You&#039;re renewing. The third party costs \u00a3456. Comprehensive wants \u00a3589. The difference? \u00a3133 a year. Easy decision, right? Save the money. Except here&#039;s\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/discountagent.co.uk\/blog\/what-type-of-car-insurance-suits-you-more-the-break-even-math\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Type Of Car Insurance Suits You More: The Break-Even Math\" \/>\n<meta property=\"og:description\" content=\"You&#039;re renewing. The third party costs \u00a3456. Comprehensive wants \u00a3589. The difference? \u00a3133 a year. Easy decision, right? Save the money. 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