A simples guide

Is my car insured?

Most of us have at some point in time asked ourselves this very question. A simple enough question, but get the answer wrong and you might end up with more than you bargained for.

Once you get behind the wheel of a car, you have a legal responsibility to ensure that you’re insured to drive it.

Failure to maintain car insurance could lead to legal and financial consequences, which in some cases may even result in arrest and the loss of your licence. For your own peace of mind and the safety of the public in general, check and make sure that you’re insured to drive the car.

How do I find out if I am insured?

If you haven’t personally taken the time to purchase an insurance policy for your car then it is most likely not insured. Once you buy a car, it’s your responsibility to ensure that you’re insured, so don’t take someone else’s word that you are insured.

Often when buying a new car the dealer may include a drive-away insurance, but this will only cover you for a limited period (usually for up to a week).

You can go online and check the Motor Insurer’s Database (MID), which keeps an up to date record of all cars insured in the UK. To access this information, you need only the cars registration number and to make a declaration that you are the rightful owner of the car.

car breakdown
car insurance

What would happen if my car wasn’t insured?

First of all, it’s an offence to drive on any public road without insurance. Police take a very firm view of people driving without insurance and severe penalties can be handed out by them or even harsher penalties may be incurred should the matter be referred to the courts. Penalties can range from a £300 fine and 6 penalty points all the way up to having your car seized and destroyed in the most severe cases.

When is the best time to insure my car?

As with most things today, timing is important. Don’t wait until the last minute to insure your car. Our research has shown that by getting your quote three weeks ahead of your renewal date, you can save make a significant saving. Most people tend to leave things like insurance until the actual due date not realising the savings they could have made had they acted sooner.

Different age groups will also attract savings by paying early. For example a driver under the age of 24 can expect a saving of £293.28 on average, whilst a driver in the 25-34 age group could save an average of £263.02.

These savings are not restricted to younger drivers as there are savings to be had in all age groups. More examples of this can be found in the 35-44 age group with their premium dropping by a substantial £192.36. If you fit into the 55-64 category you will still reap a good saving. Alas our most senior of citizens stand to gain the least, but a saving of £141.24 is still better than nothing.

Taking the time to pay your insurance early could result in savings, whether large or small it’s still extra money in your pocket.

Where can I get the best car insurance?

You can compare over one hundred leading car insurance providers to compare the price for a level of cover that best suits you. We can return the most affordable quote in a matter of just minutes without any obligation to move forwards if you are not satisfied.

Looking for a Quote?

Get a new car insurance quote in seconds and start saving

Get a quote