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ABOUT car insurance: Vehicle insurance (also known as car insurance or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there from. The specific terms of vehicle insurance vary with legal regulations in each region. To a lesser degree vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions. Comprehensive Cover is the highest level of cover a person can have if they take out motor insurance in the United Kingdom. In recent years, Comprehensive Cover has actually gone cheaper than the lesser cover 'Third Party, Fire and Theft' Cover in most cases. By taking out Comprehensive Cover, people in the United Kingdom are not only covered for third party claims after an incident, they are also covered for damage caused to their own vehicle. Depending on the policy there would be different excess payments made to the garage that repairs the vehicle, and insurers normally need to authorise the estimate before repairs can proceed. Once the authorised garage has completed the repairs, the policyholder would then pay that garage their excess payment and the insurers would pay the remainder.