Car insurance - Clueless!

Hi,

I have just put an order in to buy my first car (a Smart). I have been quotes insurance by 4 different companies but the price differs tremendously from €1,089 to €1,600/year.  

Would the cheaper one (covering civil liability, body damages (£400 premium) and legal protection be sufficient?

Or do I really need the expensive one (which also covers theft, 100% refund if the car gets written off in the first year and breakdown cover).

Thanks for your help!