Interestingly, in the UK, comprehensive insurance is now generally cheaper than "third party only" or "third party, fire & theft" cover
The reason is because the insurance companies want you to care about the car as an asset, on the basis that statistically they are driven more carefully (and therefore cause less third party property damage, bodily injury, etc.)
The reason is because the insurance companies want you to care about the car as an asset, on the basis that statistically they are driven more carefully (and therefore cause less third party property damage, bodily injury, etc.)