It's time to renew. First year of driving (and approx 9000 miles), has passed by accident/claim free. Last time round I went fully comp (the difference in quotes seemed minimal). And ended up paying £530 I've been sent a renewal quote for £460 I'm 29 and the car only cost me £500. A few questions.... Keeping in mind that the car was only £500. I've been quoted £320 for 3rd party only. I assume this means any accidents NOT my fault will be paid by the other person's company. And anything my fault my company will pay the other person, but not for my car? That sounds fine to me with the car being so cheap anyhow. I went fully comp last time. Does being fully comp help bring the price down for future quotes? Also, does fully comp mean I'm covered to drive my fathers car for example? Voluntary excess. I can choose various levels, £0, £100, £250, £500... Does this excess refer to payments to other drivers, or just my own car? Again keeping in mind my car was only £500 I'd probably just scrap it if it needed any real work done to it. This is all a bit confusing and any help appreciated. Thanks.