Why compare car insurance with Money Expert?
Cheap car insurance
Our users save up to £264 on their car insurance*
Trusted by our users
Recommended by 92% of users!**
Compare deals from over 100 providers***
Comparing 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 car insurance providers***. The whole process only takes a few minutes!
Be the Money Expert. See how much you could save today.Get a new quote
*£264 saving was calculated comparing the cheapest price found with the average of the next four cheapest prices (based on representative cost savings data - November 2019).
** 92% of 10,062 reviews from TrustPilot gave an “Excellent” or “Great” rating, as of August 2020. Overall rating on TrustPilot was 4.6 / 5 as of August 2020.
*** Correct as of August 2020
Which car insurance providers do we work with?
Over 100 car insurance providers*
*As of August 2020
What details do I need to provide to get a car insurance quote?
To find you a new car insurance quote, you’ll need to provide us with:
Including your age, occupation, and address.
Your car details
Including make, model, and year of the car.
No-claims discount (NCD) history
Adding details of your driving history could reduce the cost of your quote.
Details of additional drivers who you want added to the policy.
What you use the car for
For social, domestic, or business purposes, and your annual mileage.
Choose the cover type best suited for you: third party, third party fire and theft, or comprehensive car insurance.
How to get cheap car insurance
Improve your security
Security devices like steering wheel locks will push down your premiums, as will parking off-road.Read more
Build up your no-claims discount
If you don't claim, your car insurance premium will go down.Read more
Saving money on your car insurance
Many drivers in the UK aren’t always on the lookout for the best deal for their Car Insurance. Not everyone knows the importance of shopping around when it comes to car insurance. A fifth of UK drivers don’t know how much their car insurance costs, and 23% simply let their insurance renew every year!*
21% of drivers
Don’t know how much their car insurance costs*
23% of UK drivers
Let their car insurance automatically renew without checking other providers*
Paying one annual payment
Is the most common tangible way people try to save money on their premiums*
One in five
Are paying more than £500 a year for their current insurance policy*
22% of those who let their insurance renew
Do so because they think their no-claims discount will be affected if they change insurer*
One in four
UK drivers have never used a price comparison site to save money on their car insurance*
* According to research carried out by OnePoll on behalf of Money Expert, 16-18 June 2020.
What cover do I need?
The cover you need depends on your own circumstances. You could go for a cheap car insurance policy, but that might not suit your needs.
There are three levels of car insurance cover:
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. To find more, read out helpful guide on Comprehensive insurance.
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.
TPFT usually costs more than the standard “third party only” cover, but less than fully comprehensive cover.
What is third party only insurance?
Third party only (TPO) car insurance is required to drive your car in the UK legally. It can be purchased standalone, but is also included in other levels of cover too should you want something a bit more comprehensive.
Third party cover is usually the cheapest policy available, so it is often the go-to if you are looking to save money.
With TPO, your insurance company 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.
The cost of car insurance
A Money Expert study of UK motorists found that millions of drivers know little about what their car insurance policy covers, who their car insurance is with, or how much it costs.*
One in five don’t know how much their insurance costs
21% of people don’t know how much their car insurance costs as a yearly total.*
One in ten don’t know what their insurance covers
9.3% of people don’t know what is covered by their insurance, with another 40.6% only knowing some of the things covered.*
One in ten agree that if they needed to make a claim, they wouldn’t know what to do
9% of people strongly agree and 19.6% of drivers somewhat agree they wouldn’t know what to do if they had to make a claim on their insurance now.*
* According to research carried out by OnePoll on behalf of Money Expert, 16-18 June 2020.
Who are Money Expert?
Money Expert is a full service, 100% independent price comparison website. We have helped over 1 million customers save on utilities, broadband, and car insurance bills since we launched in 2003.
We aren’t owned by an insurance company, and will always seek to get you the best car insurance deal possible. Getting a quote is free, and there are no obligations!
Money Expert CEO Jason Smith, on Car Insurance
Even a faultless driver can get stung with a bad deal - so you should always shop around when your car insurance renewal date approaches. Money Expert can help you compare quotes from over 100 providers so you can switch to a new, better deal if you find one that's right for you.
Car insurance, with you in mind
Car insurance isn’t one size fits all. We offer a wide range of policy types, so you can pick one that suits you.
Young drivers insurance
Young drivers usually pay more. Make sure you compare your options to get a good deal.Read more
Family Car Insurance
Multiple drivers in the household? Save by combining into a family car insurance policy.Read more
Have more than one car? You could benefit from a multi-car insurance policy.Read more
Classic car insurance
Classic cars can be expensive to repair. Make sure you get the correct policy for your vehicle.Read more
What additional cover or upgrades can I get with my car insurance?
Looking for additional cover when taking out your car insurance? You will be able to take out policies with the following upgrades when comparing insurance.
Be aware, these upgrades can increase the cost of your premiums.
Provides you with compensation if you or a passenger is injured or killed in an accident.
Allows you to make a certain number of claims per year which dont affect your no claims discount.
Lost or stolen keys
Your insurer will cover the cost of replacing your keys if they’re lost or stolen.
Car insurance guides
We endeavour to keep our users fully informed when it comes to making a purchasing decision. Please read through our handy guides to find the information you need.
One Day Car Insurance
Get cover for just a single day with a temporary policy – perfect for emergencies.
Convicted Driver Insurance
Drivers with a driving or criminal conviction face higher premiums, but specialist policies are available.
Rental Car Insurance
Car insurance works slightly differently with rental cars compared to your own vehicle. Find out more here.
Black Box Car Insurance
Black box insurance works by installing a device that tracks your driving – it can save you money if you’re sensible!
Short Term Car Insurance
Not all policies have to last a whole year. Get cover for a month or even a day with short term car insurance.
Insurance for Electric Cars
Driving an electric car not only helps the environment and cuts down on fuel costs, but you can get cheaper insurance too.
Taxi drivers will need a specialised insurance policy that reflects the increased mileage and risks that come with the job.
Uber Driver Insurance
Uber drivers are classed as taxi drivers and will therefore need a specialised insurance policy to operate on the roads.
Insurance for 4x4s
Driving a 4x4 can be expensive, and that goes for insuring them too. But affordable policies can still be found.
Frequently asked questions
If you drive or own a vehicle you are legally required to have third party insurance, at a minimum. If you have a car that you don't use then you can avoid paying to insure it by taking out a SORN (Statutory Off-Road Notification), and keeping it off the road (e.g. in a garage).
Legally, you must have at least third party cover for any car used on roads and in public places in the UK. This will cover for accidental damage against someone else's vehicle or property, but won't cover damage to your own vehicle.
Some insurance companies offer cover to drive cars which are not your own as an add-on, but this isn't commonplace.
Before driving someone else's car, be sure to check your policy documentation or call your insurer directly. If you aren’t covered, you can always take out a short-term or temporary car insurance.
Statistically speaking, younger drivers (aged under 25) are more likely to be involved in accidents. With increased risk on the part of the insurer comes and increased financial burden on the part of the driver. Insurance prices dramatically reduce when you turn 25.
Yes you can. Some insurers will allow you to protect your no claims bonus if you are in an accident, but for an additional annual fee. It is worth investigating how much this fee is against how many year's no claims discount you have already; if you don’t haven't gone too many years without claiming it might not be worth the additional cost to your premium.
The cost of car insurance depends on numerous factors, including the level of insurance you go for, your car, and your driving history.
To find out how much car insurance will cost you, have a look at our car insurance calculator.
A no-claims bonus is a discount you can get on your insurance premiums by having a number of years in which you haven’t made a claim on your policy.
The longer the period of time you have gone without making a claim, the larger the discount you will be given on your premiums.
If you have a good history of not claiming and have a minor accident, it is often worth looking at paying for the repairs yourself; it will save your no claims discount from being reset and might work out better financially in the long term.
There isn't an industry-wide rule regarding this. However, if you haven’t had an active car insurance policy for more than 2 years, you may struggle to get your new insurer to honour your previous no-claims history.
This depends on the insurer you end up going with though, so it is best to check with the provider if they are an exception to this general rule.
Yes, and there are a few different options.
If you are buying your own insurance policy, you will need to tell your new insurer that you are not the owner of the car when applying.
Otherwise, you can add yourself as a named driver onto the car owner's policy. This is commonly done if the car belongs to a family member or partner.
The car insurance excess is the amount you commit to paying if you make a claim your car insurance.
Usually the higher your excess, the lower the cost of your policy. When taking out a new policy you can volunteer to increase your excess to decrease the overall cost of the policy.
If you are in a car accident, the first thing to do is stop! It is an offence to drive away.
Check yourself, passengers, and any other people who were involved in the incident to see if they need medical assistance. Call an ambulance if needed on 999.
Take the details down of any other parties involved in the incident, including their vehicle registration number and who their insurance company is. If you can, collect details from witnesses as well.
Take photos if necessary.
Contact your insurer.
For more information on what to do, check out our helpful guide on making a claim.