Third-party onlyThe most basic level of cover, this type of policy will pay out if you damage another person’s vehicle or property but will not cover any repairs you need to make to your own vehicle.
Third Party Fire & TheftThis type of policy will give you basic third-party cover, as well as cover against theft, damage done during attempted theft, and fire damage.
Fully ComprehensiveFully comprehensive policies offer the highest level of cover available and, depending on the particular policy, will cover you for more or less anything.
To make sure we show you accurate quotes, we’ll need some information from you about your driving history and about the car you’re planning to insure.
Make sure you've got the following details ready when you want to compare:
Personal DetailsWe’ll need to know a bit about you. This includes things like your age and occupation, as well as details of your driver's license
Vehicle InformationDifferent cars cost different amounts to insure. Ideally we'd need your number plate but make and model information is enough - along with details of any modifications
Claim historyWe'll need details of any accidents you've had or claims you've made in the past five years. Include details of your no claims bonus if you have one
Other driversInclude details of any other named drivers that will be sharing your policy, as this will affect the prices you're offered
Policy typeWe'll of course need to know the type of policy you're after - you can choose from third party, third party fire & theft, and fully comprehensive
Voluntary excessThe higher you set your voluntary excess, the less you'll pay each month, but the more you'll pay in the event of an accident
Improved securityThe safer your car is, the less risk the insurer is taking when offering you cover. Extra security devices like steering wheel locks will push down your premiums, as will parking off-road, especially in a garage
No claims bonusOne of the best ways to keep your costs down is to maintain a no claims bonus. It can often be worth paying out yourself for small repairs that you might need to make to you car in order to protect your NCB
Reduce your mileageDriving fewer miles reduces your risk of having an accident, and this will be reflected in the price of the cover you're offered. Make sure you don't go over your estimated mileage though as you could invalidate your policy
Black boxInstalling a black box , or telematics device, that records information about your driving (such as speed and mileage) can demonstrate to your insurer that you're a safe driver and they'll reward you with lower premiums
Named DriversAdding an experienced named driver to your policy can greatly reduce your policy costs. A spouse or a parent can be a great person to share a policy with if they're willing
Pay annuallyAccording to a survey we conducted, around 50% of people still pay their premiums monthly or quarterly. By paying annually, you can reduce the overall cost quite significantly
When it comes to car insurance, the more you know, the more likely you are to be able to get the absolute best deals around. We’ve put together some guides packed with useful knowledge to keep you informed.
From helpful tips to cut down the costs of your existing policy, to information about what to do with vehicles that you own but don’t use any more, we’ve got it covered. Here’s a quick selection of some of our most popular guides:
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Vehicle WarrantyWarranties, or breakdown cover, will pay out for any basic repairs you need
Travel InsuranceMake sure you're covered against theft or health problems when you go on holiday