Top Market Comparisons
We compare the top insurers across the board, simply so you don’t have to.
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Get the Cheapest Car Insurance!
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Choose your Cover:
Third Party
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.
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.
Fully Comprehensive
Fully comprehensive policies are the highest level of cover available and, depending on the particular policy, will cover you for more or less anything. It’s important that you read the small print for each policy.
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Know your vehicle group
Each car will fit in one of 50 different car insurance groups and the cost of your policy will vary accordingly.
Cars in group 1 will be the cheapest to cover, and cars in group 50 will be the most expensive.
If you’re driving a high end sports car that falls in one of the top groups it will cost more to insure but, depending on the type of car, you might be able to take out a specialist policy tailored to your vehicle that could save you money.
SORN
Under Continuous Insurance Enforcement rules,
you must have an active car insurance policy for
your vehicle unless it is legally declared off road
with a Statutory Off-Road Notification, or SORN. Naturally,
if you’ve taken out a SORN, your vehicle must remain unused
and, importantly, literally off any public roads.
Those in breach of this could face punishments ranging
from cash fines (of up to £1,000) to vehicle seizure and
even prosecution in some cases.
Taking out a SORN is pretty straightforward, you just
need to get in touch with the DVLA and provide them with
various details about your vehicle as well
as certain reference numbers.
Age and Car Insurance
Unfortunately for younger drivers, cover will be more expensive than for older, more experienced drivers.
While there’s not really any getting around this fact, this doesn’t mean that relatively cheap car insurance is a pipe dream.
If you take out a specialised learner policy while you’re learning to drive, for example, then by the time you actually pass, you’ll find that many insurers will offer you a discount on your premiums.
Pass Plus is a scheme designed to offer you the chance to prove that you are a safe, responsible driver. Taking a Pass Plus test to supplement your basic practical and theory tests can make your cover a bit cheaper especially when you're a young driver!
No Claims Discounts
One of the best ways to get cheaper car insurance premiums is by making the most of the no claims discount that your insurer will offer.
The longer you go without incident, the more you’ll get discounted from your policy. Generally, this is up to a maximum of five years, by which point you can expect a reduction of up to 75% from your premium.
Different insurers have different policies on the matter but generally speaking, accidents that are in no way your fault shouldn’t invalidate your no claims bonus. It's soften not worth claiming for minor damages to your vehicle and instead just paying up front for the repairs in order to protect your no claims discount.
Getting the Cheapest Car Insurance
Very simply, the best thing you can do if you want to make sure that you get the best level of cover at the best price is to compare car insurance policies from a range of insurers.
A whole host of factors from the value of your car to your age will affect the prices you are offered so it’s crucial that you really scour the market to guarantee that you’re getting the best deals available.
Many insurers offer black box policies. These involve a small device being fitted in your vehicle that tracks various things like your speed, breaking and mileage. The better and safer you drive with a black box, the cheaper your cover will be. For most people, this is the cheapest way to get or stay on the road.
We are Money Expert, the experts with your finance. We compare markets from all over the UK to bring you the best prices comparison.
