As a first time driver, you may not be familiar with the various policy types and what they mean to you. The big decision is between third party, third party fire and theft and fully comprehensive.
Third Party Cover
Provides protection against damage to third parties, i.e. others involved an their property.
Third Party, Fire and Theft Cover
This provides protection as above but also includes cover for fire damage and theft of your vehicle
Fully Comp Cover
This includes the above as well as covering you for damage to your own vehicle.
So what should you choose? Prices will vary between the options with third party often being cheaper but you have to consider that if you are at fault in a crash, damage to your vehicle will not be repaired by the insurer as part of your claim, so it could be more costly in the long run.
Also it’s worth remembering that first time drivers under 25 are statistically more likely to crash, so take the time to weigh up the options carefully.