Its complicated you have two main types of insurance fully comp =covers you in most aspects of you and your car plus legal expenses
And third party fire and theft .... this covers your car if its stolen and also if your involved in an incident it covers the third party but not your car plus legal expenses
An excess is if somebody or you make an insurance claim against your policy its the initial payment you have to pay ..... the bigger the excess generally brings the overall cost of your policy down ..... but regardless insurance in the uk is a piss take .....
Thats without going to indepth lol
Last edited by nomad on 17th July 2013, 7:14 pm; edited 1 time in total