Possibly, you are unaware of the difference between the two insurance types. Third Party would cover cost of repairs only to the vehicle of the other party should you meet with an accident and the fault was put on you. The insurance company will not repair your vehicle. In Comprehensive cover, your vehicle and the other party's vehicle, both are covered. That is why Comprehensive insurance cover costs more than third party insurance. It is always advisable to go for comprehensive insurance cover for your vehicle. Third party insurance is mandatory for all vehicles in Qatar. Comprehensive insurance is not. The choice is yours.