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Car insurance has evolved over the years to take into account different driver requirements. This means that aside from simply being able to buy comprehensive or a third-party policy you can look for policies that are designed for a particular type of policyholder. Examples include:

Short term cover – also known as temporary car insurance, this is an option for people who don’t keep a car on the road all year round or who perhaps own one, but need a car for anywhere from a few hours to a few months. This might be to move home or go on a driving holiday.

Driving abroad –comprehensive car insurance policies tend to allow you to drive up to 90 days in the EU, with third party cover. However, you can buy add-ons to your policy that’ll allow you to drive for more days or provide comprehensive cover. 

Business use – if you have a car or van that’s only used for work, rather than travelling to work from home, business use insurance could be right for you. It includes cover for tools and other cargo and takes into account higher mileage. 

Multiple cars – if you’ve got more than one car at home, whether they belong to you, members of your family or others who form part of your household, you can save money by getting all of your cars covered by one policy. You can even get multicar insurance if your family live and keep their cars at different addresses. 

Telematics – often called black box insurance. With this type of insurance, a GPS transmitter is installed behind the dashboard of your car to monitor your driving. Good driving, such as not speeding or braking sharply, can lead to lower premiums, making it ideal for young careful drivers.

Insurers base quotes on a wide range of factors, all of which are analysed to build up a risk profile. For example, they’ll consider:

• Your age, as young and inexperienced drivers tend to make more claims. 

• Your car, as powerful models cause more damage in a collision and are pricier to fix. 

• Your address plays a role, especially if you’re in a crime hotspot

• Points on your licence or convictions. 

These are just some of the aspects. The list goes on.

Even if you only consider comprehensive car insurance policies, you’ll still find theyvary in what is covered as standard. Yes, all feature the essentials, such as damage and injury to yourself, others and property. But policies may come with certain additional cover as standard, including cover for lost keys or for replacing windscreens or child car seats (even if they don’t appear to be damaged). Others offer paid-for extras. You need to check the small print before buying to check what’s included.