Car insurance

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Compare cheap car insurance quotes

Comparing car insurance isn’t exactly fun, but we think it should be simple. Whether you’re looking to beat your current provider’s renewal quote or you want to insure a new vehicle, our simple and easy to use comparison service can save you time and help you find a cheaper car insurance deal. The numbers speak for themselves - you could save up to £247**

Whatever your needs, whether that's fully comprehensive insurance, third party cover or something more specialised, we can help. Maybe you’re looking for a policy that includes black box insurance (don’t worry, we'll explain), covers young drivers or is specially designed for over 50s. Just click and get started.

**Based on Online independent research by Consumer Intelligence during August 2019 50% of customers could save up to £247.34 on their car insurance premium.

Frequently thought questions

We do appreciate that questions about comparing car insurance prices are a little too boring to be asked, but they can be thought.

So we’ve compiled the following simple answers to questions frequently thought, about finding the cheapest quote when comparing car insurance.

  • What is car insurance?
  • What does car insurance cover?
  • What types of car insurance are there?
  • What car insurance is the best?
  • What details do I need to get a car insurance quote?
  • How can I get cheap car insurance?
  • How much does car insurance cost?
  • Is it cheaper to pay car insurance annually or monthly?
  • Why compare car insurance with Compare the Market?

What is car insurance?

Car insurance can provide you with cover if you’re involved in a car accident. It’s also a legal requirement if you own or drive a car, unless you declare the vehicle off-road (SORN) and keep it on private property.

If you’re caught without insurance you could be fined £300 and given six penalty points. If you end up in court, you might be given an unlimited fine and disqualified from driving.

What does car insurance cover?

If your car is involved in an accident, car insurance could provide cover if you injure yourself or other people, or damage property or another vehicle. Car insurance could also cover you if your car is damaged by fire, attempted theft, or if it’s stolen.

Not all policies offer the same cover, so always read the small print and make sure you’re happy with any exclusions or limitations.

What types of car insurance are there?

There are three types of car insurance policy to choose from: third party only; third party, fire and theft; and comprehensive.

  • Third party only – this is the minimum level of cover you need to drive on UK roads. It only covers the cost of compensating other people for injury or damage caused by you. It doesn’t provide you with any financial help for injury or repairs to your vehicle.
  • Third party, fire and theft – this covers the cost of damage or injury to third parties but it could also give you compensation if your car is damaged due to fire or theft or if it is stolen.
  • Comprehensive – as the name suggests, this includes all the cover of a third party fire and theft policy, but could also protect you as a driver and may pay out for damage to your car. It could also include compensation for a number of things such as: medical treatment, legal expenses and accidental damage.

It’s also worth knowing that the typical car insurance policy lasts for 12 months and will need to be renewed each year. Your insurance might automatically renew when it’s about to expire, so remember to come back to to get the deal that’s right for you.

What car insurance is the best?

The best car insurance for you will depend on several factors, including: your age, occupation, driving experience, the car you drive and how you use your car.

For example, don’t assume that a third party policy is the best-value option simply because it offers the minimum level of cover.

The easiest way to find car insurance that best suits you, is to start a quote with us today.

What details do I need to get a car insurance quote?

To get a car insurance quote you’ll need to include details about your car, how you use your car, your personal details, the number of years of no claims discount you have, your driving history and whether you’d like to add any additional drivers to your policy.

  • Details of your car Your car registration number is helpful, but not essential. If you don’t have it, you’ll need the car’s make, model and age. Just be aware that you won’t be able to buy an insurance policy without the registration number.
  • How you use your car Tell us whether you use your car for pleasure and/or commuting to work, or for business purposes too.
  • Your details Your name, how old you are, where you live and the type of job you do.
  • No claims discount (NCD) Tell us the number of years of no claims discount you have (you’ll need proof of this from your current insurance provider if you’re switching to a different one).
  • Your driving history Details of any accidents, insurance claims and driving convictions you’ve had in the past five years. It’s important to be honest, otherwise you could invalidate your car insurance policy.
  • Additional drivers The details of any additional drivers you want to add to the policy.
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How can I get cheap car insurance?

You could save money on your car insurance by:

1 Choosing your car wisely Some cars are cheaper to insure than others.

2 Increasing your voluntary excess But make sure you can still afford to pay the combined compulsory and voluntary excess should you have an accident.

3 Improving your car’s security Whether that’s off-road parking or installing an approved car alarm.

4 Adding an experienced named driver to your policy But never put that person as the main driver if that isn’t the case. You could be guilty of fronting – a type of insurance fraud that can invalidate your policy, at the very least.

5 Avoiding modifications Upgrading your car by adding modifications could make it more attractive to thieves and your premium could rise accordingly.

6 Limiting your mileage Restricting the amount of time you’re on the road could reduce your risk of having an accident and therefore lower your premium.

7 Building up a no claims discount The more years you drive without making a claim on your car insurance, the greater your no claims discount could be.

8 Avoiding unnecessary optional extras Some insurance providers offer extras, such as breakdown cover. If you don’t need them, don’t add them to the policy.

9 Consider a telematics policy Black box insurance isn’t just for younger drivers. If you have a telematics policy and you drive well, whatever your age, you could lower the cost of your premium. What’s more, some telematics devices could even contact the emergency services if you have an accident.

Check out our Top tips for cheap car insurance for more information.

How much does car insurance cost?

The average car insurance premium in Q3 2019 dropped marginally over the last quarter and now stands at £707^^. But it will always depend on your circumstances.  

And that’s just the average. When you shop around, you could find cheaper policies. That’s why it pays to compare the market.

^^Based on the Premium drivers report (September 2019):

Is it cheaper to pay car insurance annually or monthly?

Paying for your car insurance annually, in a lump sum, is usually cheaper than paying monthly. A monthly payment plan could mean you pay more for your car insurance as you might be charged interest on the instalments.

Why compare car insurance with Compare the Market?

Comparing car insurance can save you time and help you find a better premium. Whether you’re insuring a new vehicle or looking for a renewal quote, shopping around could save you up to £247**.

We’ll show you policies based on price, policy cover level, add-ons or annual or monthly payment terms – helping you compare based on your needs.

**Based on Online independent research by Consumer Intelligence during August 2019 50% of customers could save up to £247.34 on their car insurance premium.

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