Car insurance

Compare car insurance quotes in minutes with Money Expert and save up to £319*

Benefits of comparing car insurance with Money Expert:

Save up to £319* on your car insurance

Save up to £319* on your car insurance

Recommended by 92% of users!**

Recommended by 92% of users!**

Compare deals from over 100 providers***

Compare deals from over 100 insurers***

Rated on Trustpilot 4.6 / 5 based on 15,192 reviews

Compare cheap car insurance quotes with Money Expert

Cheaper car insurance is only a few clicks away...

Whether your current policy is approaching its renewal date, or you’ve just bought a new car and need cover so you can drive it, you could save yourself up to £319* by comparing car insurance policies with Money Expert.

1

Tell us about you and your car

We’ll need some basic personal information, as well as details on the make, model, and age of your car.

2

Tell us what type of cover you need

Let us know what type of policy you’re after, and provide some detail about how you use your car.

3

Choose the right policy

We’ll show you a bespoke list of policies, generated based on your requirements. All you need to do is pick the one that’s right for you.

We'll show you quotes from a hand-picked list of over 100+ different insurers, including:

Tesco Bank
AXA
Elephant
RAC
Hastings Direct

What level of car insurance do I need?

What is fully comprehensive insurance?

Fully comprehensive insurance offers the highest level of cover available. You will be covered if your car is damaged or written off, if your vehicle is stolen or catches fire, as well as any medical expenses.

Comprehensive policies can often be quite different, so you should always check what is covered before you buy.

Who is it for?

Most drivers. Fully comprehensive policies almost always offer the best value for money. Always check what each insurance provider actually includes in their fully comp policies.

Find out more: Fully comprehensive car insurance

Key features

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Highest level of cover available.

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Often the most expensive level of insurance.

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Covers damage if you're involved in an accident, theft, medical expenses, fire damage, and theft of your vehicle.

What is third party, fire and theft?

A third party, fire and theft (TPFT) policy will cover the costs of damage to another person, their vehicle, or property, if you are found at fault for causing the damage.

If you’re involved in an incident and are found responsible, you will not be covered for any repairs or medical bills. You will be covered against theft, damage done during an attempted theft, and fire damage to your car however.

Who is it for?

Not many people. Third party, fire and theft cover actually tends to be more expensive that fully comprehensive cover, but offers less in the way of protection.

Find out more: Third party, fire and theft cover

Key features

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Damage to another person, their property, or vehicle, is covered.

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You’ll be covered if your car is stolen or involved in a fire.

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Damage to your car and yourself isn’t covered if you are found at fault.

What is third party only insurance?

Third party only (TPO) car insurance is required to drive your car in the UK legally. Your insurer will pay out if you damage another person’s vehicle or property, but they will not cover any repairs you need to make to your own vehicle.

Who is it for?

The budget conscious. Third party only cover doesn’t offer much, but will often be the cheapest form of insurance available – this isn’t always the case though, and it can prove false economy even when it is.

Find out more: Third party car insurance

Key features

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The minimum legal requirement for driving your car in the UK.

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Covers other people’s vehicle or property if you damage them in an accident.

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Usually the cheapest insurance available to drivers.

How much does car insurance cost?

The price of your cover depends on a number of factors, including the type of cover you choose, your no claims bonus, and your age and driver profile.

Type of cover Average premium cost1
Fully comprehensive £973
Third party, fire and theft £1,422
Third party only £2,559

1Average annual cost based on quotes delivered to 59,564 Money Expert customers between Jan-Aug 2021

How does the type of cover you choose affect your insurance premiums?

This might seem counterintuitive, but fully comprehensive car insurance policies tend to actually be the cheapest, despite offering the most cover.

We found that fully comp policies cost an average of £973 a year, while TPFT comes in at £1,422, and third party-only as high as £2,559.

A key reason for this is that drivers with third party-only cover are more likely to be involved in accidents.

How to get cheaper car insurance

There are certain things you can do to improve your chances of getting offered cheaper quotes, regardless of what kind of car you drive or what your profile as a driver looks like.

1

Pay upfront

Paying upfront annually works out cheaper, as no finance arrangement is needed.

2

Improve your security

Security devices like steering wheel locks will push down your premiums, as will parking off-road.

3

Increase your voluntary excess

Higher excess can mean lower premiums. Don’t make it too high though, in case you need to claim!

4

Build up your no-claims discount

If you don't claim, your no-claims bonus will lower your premiums.

5

Drive fewer miles

Driving fewer miles per year will reduce the price of your policy.

6

Get a telematics policy

Installing a black box, or telematics device, can help lower your premiums.

Add-ons to consider when doing a car insurance comparison

There are a number of different add-ons that you can purchase to enhance your cover. Some of these will be particularly useful for certain types of driver (e.g. European cover if you drive abroad often), and some more useful in a general sense (e.g. breakdown cover).

All of them cost money, but some can save you money in the long run. We’ve outlined some common add-ons here to help you decide if they’re right for you.

Windscreen cover
Add-on

Windscreen cover

Covers the repair of chips or cracks to your car’s windscreen.

Breakdown cover
Add-on

Breakdown cover

Makes sure you get home or to the nearest repairer if your car breaks-down.

Personal accident cover
Add-on

Personal accident cover

Provides you with compensation if you or a passenger is injured or killed in an accident.

Courtesy cover
Add-on

Courtesy car

Car being repaired? Your insurer will provide you access to a courtesy car.

No claims discount protection
Add-on

No claims discount protection

Allows you to make a certain number of claims per year which do not affect your no claims discount.

Lost or stolen keys
Add-on

Lost or stolen keys

Your insurer will cover the cost of replacing your keys if they’re lost or stolen.

How your driver profile affects the cost of your car insurance premiums

Car insurance prices will vary depending on certain key facts about you, the driver. Older, more experienced drivers tend to be offered cheaper quotes, for example. Have a look below to find out how these different factors are likely to affect your premiums, and how to find the cheapest car insurance quotes given your circumstances:

Different types of driver

Younger drivers – especially under-25s – will pay much more than their older counterparts for car insurance, other things being equal. This is because drivers aged 17-24 are statistically far more likely to be involved in road traffic accidents than those aged 25+. You’re not totally out of luck if you’re a younger driver though – getting a telematics policy, or adding a named driver can help bring down your costs.

Find out more: Car insurance for younger drivers

Car insurance gets cheaper as you get older, right up until around the age of 70-75. After that, cover can get more expensive as the likelihood of you having a medical condition that affects your safety behind the wheel increases. Nevertheless, even for drivers over 80, you can still expect to pay less than most below the age of 60.

Find out more: Car insurance for older drivers

If you’re new to driving altogether, no matter your age, you can expect to pay a bit more for your cover than an experienced driver would. Choosing a smaller, less powerful car for your first set of wheels can be a good way to cut costs down. If you’ve already bought your car, then choosing a policy with limited mileage while you build up some experience (and a no claims bonus) can be a good idea.

Find out more: Car insurance for new drivers

Insurance providers are legally prohibited from charging you more for your cover on the basis of your disability. However you will likely have particular needs that might not be covered by standard policies, including cover that takes into account any modifications to your vehicle like wheelchair lifts or adapted steering wheels.

Find out more: Car insurance for disabled drivers

Car insurance gets a lot more expensive if you’ve got a criminal conviction or points on your license. As a result, it’s all the more important to make sure you get a good overview of what your options are by comparing as many policies as possible.

Find out more: Car insurance for convicted drivers

If you drive your car for a living, you’ll be using it in ways that might exceed what a normal policy would cover. Your mileage will be much higher than a normal drivers’ for example, and you might need cover in case of injury to your passengers.

Find out more:

What type of car do you want insurance for?

Smaller, less powerful cars tend to be cheaper to cover because they’re less likely to be involved in accidents. Popular and inexpensive cars also tend to be cheaper to cover because replacement parts are easier (and cheaper) to get hold of.

Some types of car will have unique requirements that mean you might need a specialist policy to cover what you need. If you drive an electric car, you’ll want cover for batteries and charging cables. If you’ve modified your car, for performance or accessibility, you’ll want to ensure that your modifications are insured.

Why use Money Expert?

Save £319 on your car insurance

Save up to £319 on your policy*

Recommended by 92% of users!**

Recommended by 92% of users**

Compare deals from over 100 providers***

Deals from over 100 auto insurance providers***

Finding cheap car insurance with Money Expert couldn't be simpler. We only need a few details about you and your car to compare deals from over 100 insurers. The whole process only takes a few minutes!

Be the Money Expert. See how much you could save today.

Rated on Trustpilot

Last reviewed: 1 August 2022

Next review: 1 September 2022