Third Party, Fire & Theft Cover
A group of three separate policy options, third party, fire and theft are often sold together as standard due to the mixture of the essential and legally required. The third party part of the policy is actually only required if the vehicle is used on roads, but even static units could benefit from it as it covers damage to persons and property even unrelated to traffic accidents. The fire aspect of the policy is also highly recommended as mobile catering is prone to fire risks.
Comprehensive insurance takes all the aspects of third party, fire and theft and adds a whole extra layer of protection against insurance events. While the exact features do differ from provider to provider, it will typically include some form of protection against vandalism, accidental damage and, occasionally, acts of nature. As ever, the devil is in the detail with comprehensive, but it can offer enormous peace of mind as well as save time cultivating individual policy.