To get good value comprehensive car insurance in the UK, there are various approaches, all reviewed here: comprehensive car insurance. Many direct car insurers won‘t be beaten on price.
1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Comprehensive Coverage covers your car or vehicle that is damaged other than through a collision.