Although it's cheaper to have third party fire and theft, if you drive a more expensive car make a comprehensive policy may offer more protection for any damage to your vehicle. Many companies do not allow third party insurance for cars over a specific value for your protection.
It's a common misconception that having fully comprehensive insurance means you can drive any car. Unless your insurance states you're allowed to drive other cars then you cannot. when purchasing your next car insurance policy, check to see if you can drive someone else's car.
Steering locks and immobilisers are good ant-theft deterrents and may help reduce premiums if you use them. When searching for car insurance make sure you fill in the forms with all anti theft aids to get the best quote possible.
Making a claim will not automatically lose all your no claims bonus. Most insurers will relegate you only two years meaning if you had 5 years no claims then you would still have 3 years.
