There are three main types of car insurance policy available for you to choose from:
The 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.
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.
Fully comprehensive policies offer the highest level of cover available and, depending on the particular policy, will cover you for more or less anything.
We'll show you quotes from a hand-picked list of over 90 different providers, including:
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:
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
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
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
Include details of any other named drivers that will be sharing your policy, as this will affect the prices you're offered
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
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
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:
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
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
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
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
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
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
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.
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.
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)”
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.
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.
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 here.
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.
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:
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
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
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
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
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
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 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
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.
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.
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.
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.