Cheap Car Insurance

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How to Get The Cheapest Car Insurance

To make sure we show you cheap and 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 Details

We’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 Information

Different 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 history

We'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 drivers

Include details of any other named drivers that will be sharing your policy, as this will affect the prices you're offered

Policy type

We'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 excess

The 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

We'll show you quotes from a hand-picked list of over 90 different providers, including:

Choosing the Right Type of Car Insurance Policy

There are three main types of car insurance policy available for you to choose from:

Third-party only

The cheapest car insurance policies will be third party only - policies that 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 & Theft

This type of policy will give you basic third-party cover, as well as cover against theft, damage done during attempted theft, and fire damage. These will be the next most expensive type of cover.

Fully Comprehensive

The priciest car insurance policies will be fully comprehensive, offering the highest level of cover available and, depending on the particular policy, will cover you for more or less anything.

Tips for getting the cheapest car insurance quotes

Car insurance can get expensive if you're not careful, and prices tend to go up every year. The last thing you want to do is opt for less cover than you need just to get cheaper car insurance, so we've put together a short list of simple things you can do to keep your costs down, no matter what kind of policy you get:

1

Improved security

The 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

2

No claims bonus

One 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

3

Reduce your mileage

Driving 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

4

Black box

Installing 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

5

Named Drivers

Adding 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

6

Pay annually

According 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

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What else affects the cost of a car insurance policy?

There are some things that will affect the cost of your policy that are unfortunately out of your control. But while you can’t change these things, it’s good to be aware of the effects they’ll have on what you pay so that you don’t face any nasty surprises when you compare.

Age

Younger drivers (typically those under 25) are statistically far more likely than older drivers to get into accidents. For this reason, younger drivers will, on the whole, pay a lot more for their cover than older drivers.

Between the ages of 20 and 60, the average price of a car insurance policy* goes down from £1,036 to £600. After 60 it pops back up slightly to £687.

Younger drivers who are really intent on trying to overcome this imbalance should think about taking out a black box (or telematics) policy, or taking a pass plus test.

For more information on how age affects car insurance costs, read our guides here

*According to data from Statista, which assumes “5 years' of driving experience and a 5-year No Claims Discount (NCD)”

Choice of Car

Different cars cost different amounts to insure. Vehicles are collected together into 50 car insurance groups, with cars in the highest groups costing the most to insure.

Vehicles are placed in different car insurance groups according to various different factors including: cost of repairs, speed/power, cost of parts, and the overall value of the car, among other things.

Gender

Before 2012, insurers would openly charge women less than they would charge men for cover. This is because, as with age, men are statistically responsible for far more road traffic accidents than women. However, in 2012, an EU directive was introduced that made it illegal to price products or services differently on the basis of gender.

Despite this directive, men do still, on the whole, pay more than women for car insurance. It’s important not to misread this data though: men still pay more, on average, because men are still involved in more accidents than women. If you’re a man with a clean driving history, then you won’t pay any more than a woman with the same history.

Medical Conditions

Certain medical conditions and disabilities that may affect your ability to drive must be reported to the DVLA. This includes things like epilepsy, physical disabilities, and severe visual impairments. For more information on the DVLA’s rules about medical conditions, visit the government’s website.

If you have a condition that needs to be reported to the DVLA, you’ll need to declare them when you compare car insurance policies with us. The chances are, this will increase the price of any policies you’re offered, but it’s important that you’re honest because otherwise, any policy you do get will be invalidated.

Guides on Comparing Car Insurance

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:

Car Diagram

No Deposit Car Insurance

No deposit car insurance is a term used to refer to policies that you can take out without paying a large amount up front. Generally this means paying for your premiums monthly instead of in one lump sum for the year.

Find out more

Car Insurance Groups

Different cars are placed into different groups (numbered 1-50) according to things like size and power, with cars in higher groups costing more to insure.

Find out more

Types of Insurance Policy

As well as the main three types of car insurance (third party; third party, fire, and theft; and fully comprehensive), this guide will cover some of the optional extras you can get like breakdown cover.

Find out more

Insurance for Younger Drivers

Car insurance is more expensive for drivers under the age of 25. In this guide, we'll explain why, and will cover some top tips to help cut costs no matter how old you are.

Find out more

No Claims Discounts

One of, if not the most effective way of reducing the cost of your car insurance is to maintain a no claims discount. Find out more in this guide.

Find out more

Pass Plus

By taking a pass plus test in addition to your standard driving test, you can demonstrate that you are a safe driver, and you're premiums will go down accordingly.

Find out more

Car Insurance FAQs

How long will my policy last?

Car insurance policies will usually last for one year. However, shorter term policies are available - you can even get cover for just 24 hours if you just need to borrow a car for a day, but typically short term policies like these will be quite expensive

Can I drive someone else's car?

You need to be insured on a car to be able to drive it. If you want to drive someone else's car you can either take out a short term insurance policy, or get yourself added as a named driver to their policy.

Do I need to insure my car if I'm not driving it?

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). Unless you do this, you are legally required to insure your vehicle.

Why is it more expensive for younger drivers?

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.

Can I protect my no claims bonus?

The no claims bonus is one of the best ways to reduce the cost of your insurance policy, and so it makes sense to want to protect it. You can take out a specialist policy to insure your no claims bonus, but you should weigh up the expense to make sure it's worth it.

Which type of policy should I choose if I want the cheapest car insurance?

Third-party only policies, which pays out only if you damage another person’s vehicle or property but not for theft of or damage to your vehicle, will be the cheapest, but may not provide all the coverage you need. Third-party, fire, and theft, covering damage to other people’s vehicles and property, fire damage to your vehicle, theft or damage caused during attempted theft, will be the next cheapest. Fully comprehensive policies, covering you for just about any eventuality, including repairs to your own vehicle, will be the most expensive.

What are the legal requirements for car insurance?

Legally, you must have at least third party cover for any vehicle used on roads and in public places in the UK.

What penalties would I face for driving without insurance?

If your vehicle is uninsured, you could face a fixed penalty of £300; accrue six points on your license; have the vehicle wheel-clamped, impounded, or destroyed; or face prosecution, with the possibility of receiving an unlimited fine and a disqualification for driving. Even if the vehicle itself is insured, if you’re not properly insured to drive it, you can still face these penalties.

What would invalidate my car insurance policy?

Supplying incorrect information about yourself, your vehicle, or your driving history or failing to update your insurer when these details change can invalidate your policy. You also have to properly inform your insurer of the postcode in which the vehicle will primarily be kept. Additionally, you’re required to maintain your car, keeping it in a roadworthy condition, and to notify your insurer of any modifications you make to it, including special controls added for disabled drivers. Failure to notify the DVLA and your insurer of certain health conditions, including poor eyesight, epilepsy, and stroke, can result in your policy being invalidated and you facing fines or possible prosecution.

What is a no-claims bonus (NCB)?

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.

How do I find out how many years no-claims bonus I have?

Your current insurer will be able to provide you with this information. When your policy term ends, they should supply you with proof of your NCB, which you will then need to pass on to your new insurer.

Can I lose my no-claims bonus if I haven’t held private car insurance in a few years?

Yes, generally your no-claims bonus will become invalid after you haven’t held private car insurance for two years. Some insurers, however, will simply reduce your NCB by the number of years since you last held insurance. Unfortunately, if you’ve had car insurance through the government’s Motability Scheme for disabled motorists for the past two years, and switch back to private insurance, your previous no-claims bonus will usually be null.

Can I use my no-claims bonus from abroad?

Generally, UK car insurers will not accept no-claims bonuses from outside the EU, but you should contact insurers directly to see which NCBs they will accept and what proof they require.

Will my insurance policy be valid in Europe?

All UK insurance policies will supply the legal minimum of third-party cover for driving in the EU. You should check with your insurer before getting behind the wheel to see if you’ll be covered for theft and damage to your vehicle when it’s abroad. You may be able to extend your policy to include comprehensive cover while you’re in Europe, usually for an extra cost.

Will my comprehensive policy cover me when I drive another vehicle?

Until recently it was common for comprehensive policies to provide you the legal minimum of third-party cover when you were driving a vehicle not listed on your policy, such as one borrowed from a friend or a hired car. And many drivers are still convinced they can simply hop behind the wheel of another car. In fact, insurers are now placing strict limits on this so-called driving-other-cars (DOC) benefit, with some eliminating it entirely for drivers under 25 and for those with certain occupations. You should never assume you’re covered to drive another car if you’re not named on the policy, even if it’s your spouse or partner’s vehicle. You can face fines, license points, and prosecution if you’re driving a vehicle without proper insurance.

What if I want to insure a car I’m not driving against theft?

If you’re not driving a vehicle—say if it’s not currently in roadworthy or in use—but you still want to insure it against theft, you can get policies known as laid up cover from specialist insurers.

How can I get cheap car insurance if I’m disabled?

Under the Equalities Act 2010, car insurers are not permitted to raise your premiums or increase your excess because of your medical condition without evidence that it increases the risk of you making a claim. In all cases, they have to tell you the reason they’re increasing your premiums. That said, they can raise your premiums if they determine your condition does increase your likelihood of being in an accident, and disabled drivers may want to use a specialist insurer or seek out auto insurance through the government’s Motability Scheme.

Will having modifications on my car make it more expensive to insure?

If you’re disabled and have modified your vehicle with special controls, you have to notify your insurer (and the DVLA) of these modifications. These alterations will generally increase your premiums, because they will make your vehicle more expensive to repair.

Can I get car insurance if the vehicle is in someone else’s name?

You can take out insurance on a vehicle that’s owned by someone else as long as you specify this on the policy.

Do named drivers get the same coverage as the policy holder?

In general, named drivers have the same coverage as the policyholder when they’re driving the vehicle, but you should double check with your insurer to make sure this is the case.

How frequently can a named driver drive the vehicle?

The policyholder needs to be the main driver of the vehicle and it’s illegal for anyone other than the named driver to be listed as the policyholder—a practice called ‘fronting.’ Your insurer will specify the portion of time a named driver will be allowed to drive the vehicle. If the named driver drives the vehicle more than the policyholder, however, you’ll have to inform the insurer as not doing so can be seen as fronting and may invalidate your policy.

Do I need car insurance as a learner driver?

If you have a learner’s permit, you’ll need to be covered by someone’s car insurance policy in order to drive and get the practice you need to pass a driving test. In many cases, young learner drivers will be covered by their parents’ car insurance, if they’re added as a named driver on it the policy. This will generally increase the parents’ premiums. If you take driving lessons, you will be insured on the instructor’s car; the cost of the insurance will be rolled into your fee for the lessons. As a learner driver you can also take out specialist short-term policies that allow you to drive your own car or another driver’s car as long as you are accompanied by a fully licensed driver. You can also get a full annual policy on your provisional license and then cancel or update it once you have passed your driving test.

How do I use a car insurance comparison engine?

To search for car insurance using our comparison engine, you’ll need to supply the vehicle’s registration number. If you don’t have it handy, you can conduct a search using details about the vehicle, including its make, model, year of manufacture, and engine size. You’ll also have to provide details about where the car will be kept, both overnight and during the day, and of any drivers you wish to list on the policy, including their ages, occupations, claims and accident histories over the previous five years—including any no-claims bonuses. The more information you supply, the more accurate the quotes you get will be. Select the type of insurance you want, choose the amount of excess you wish to pay, and hit search, and MoneyExpert’s bots will fetch you quotes from the top insurers on the market.

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