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.
You should be aware that if you only have third party insurance you are not covered if your car is stolen or if you have an acciden that is your fault. Some car insurance companies do not offer third party only options.
Some companies now offer child car seat replacement, which means they will replace your child's car seat after an accident even if there is no visible damage.
