While third party insurance is the minimum level of coverage required by law for UK motorists, you will typically need to employ a more comprehensive policy to be protected from all possible eventualities. For example, third party covers the costs associated with damage to the other person’s vehicle, whereas you will be expected to pay for repairs to your own car. It is wise to look at comprehensive cover to have complete peace of mind.
Breakdown cover should be one of the features at the top end of your list of requirements. Roadside assistance, onward travel and potential accommodation costs can all become very expensive, so insurance against these costs is essential. The cheapest breakdown insurance does not provide 24/7 cover, which is rarely ideal and can leave you significantly under insured. Meanwhile, some polices are thorough enough to offer accommodation if you are stranded, while others cover the entire EU.