Compare Class 1, 2+ and 3+ Motor Insurance
The insurance class is only a starting point. Actual terms vary by insurer, including the sum insured, liability limits, repair-garage options, deductibles and exclusions.
This comparison provides general guidance for initial screening. Always review the quotation and policy details before making a decision.
Class 1
Generally the broadest cover
- Damage to the insured vehicle from collisions or accidents, subject to policy terms
- Vehicle theft and fire are generally covered
- Third-party liability
Suitable for: New or high-value vehicles, or drivers seeking broader cover for their own vehicle
Class 2+
A balance between cover and budget
- Vehicle-to-vehicle collision cover, subject to policy terms
- Vehicle theft and fire are generally covered
- Third-party liability
Suitable for: Vehicles that retain value and need theft/fire cover, at a lower budget than Class 1
Class 3+
Focused on vehicle-to-vehicle collisions and third-party liability
- Vehicle-to-vehicle collision cover, subject to policy terms
- Third-party liability
- Theft and fire are generally excluded
Suitable for: Older vehicles, or drivers seeking to control costs and able to retain some risk
Six questions to ask before choosing
1. What is the sum insured?
Does it reflect the vehicle’s current value?
2. Dealer or network-garage repairs?
How do the repair networks and terms differ?
3. Is there a deductible?
When does it apply, and how much is it?
4. What if the other party is uninsured?
What assistance does the policy provide?
5. Is the vehicle’s use correctly declared?
Personal, commercial or transport use must be declared accurately.
6. What are the key exclusions?
Review the terms and policy schedule before deciding.
Important note
This information is a general overview, not a guarantee of cover. Terms may vary by insurer and plan. Please review the actual quotation, policy schedule, exclusions and endorsements.