Insurers price the overall risk presented by the policyholder as well as the amount of cover. Claims experience among customers choosing different cover levels can therefore result in comprehensive quotations that are sometimes lower than third-party quotations.

How insurers commonly treat this

• Third-party cover provides less protection for the insured vehicle, but that does not automatically produce a lower premium.
• Excesses and optional benefits also affect comparison between policies.
• The relative prices can differ from one insurer and driver profile to another.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.