Fully comp is most likely the cheaper option as they offer a curtesy car which they try hard to get you to take which most do and this is where the insurance companies are on to a scam! They are in with the hire companies and between them make huge sums of money many thousands and thousands more than the insured value of your car. A pal of mine over a year ago now had his 2002 BMW 330i sport hit up the back. He had spent a lot on the car giving it new suspension parts bushes etc so it drove like a new car. They only paid out £1800 for the car which was close to mint but high mileage yet the curtesy car charges were £27,000. Yep £27K They gave him a big plush 4x4 which he had for 6 months, they were in no hurry to take it back despite him asking on several occasions they replying were waiting on settlement from the lorry drivers insurance company. ? But don't tell anyone........
In fact we should all shout it out to our Mps about this scam, ultimately we are all paying higher premiums for this.
It wouldn't have made a difference which insurance cover he had. A claims management company will push for you to have a courtesy car if it is likely that you are not to blame for the accident and any charges to be re claimed from the other parties insurer. This in itself could be problematic if the other insurer disputes the charges or the other party is not deemed to be fully at fault.