Quick Insurance Q

So unless I have a nice car, no real point in getting fully comprehensive cover?

Also, if I had 3rd party, what would happen if I had undeclared things in (or on) my car, and I was in a crash (my fault or not)?

And just to clarify, if someone hits into me or something, they (their insurance comp) will pay to fix my car, yeh?

edit - also, is there a site that will tell you about any negative/positive things about your post code area, relating to car insurance (if that makes sense?)
 
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