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Car Insurance

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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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What is car Insurance?

Car insurance provides financial protection for motorists and is a legal requirement for any drivers on the road in the United Kingdom. The amount of protection varies dependent on the level of car insurance you purchase, with third party only protection being the minimum level of cover required by law.

How much does car insurance cost?

Car insurance prices are based on the level of risk involved with insuring a driver, as determined by each car insurance provider. So, the best way to find out how much it will cost you is to use a comparison service, like the one found on this website.

Whilst some places do provide average figures for the cost of car insurance, we don’t believe it’s useful because everybody is unique. There are so many factors to take into account when calculating the price of an individual’s car insurance policy. Instead, why not remove the guess work and compare car insurance today?

How can I get cheaper car insurance?

There are a few ways to legitimately cut the cost of your car insurance.

Compare quotes for all levels of cover – remember, comprehensive insurance is often the cheapest, so you could pay less for more cover.

Be accurate about your mileage – You should never lie about your annual mileage, but if you put in a mileage that’s too high you’ll pay more than you should. Use our mileage calculator to help you get it right.

Build a no-claims discount – The more years you’ve been driving without incident, the higher your no-claims discount. But you’ll need to be the main driver to earn a discount on most policies.

Add an experienced driver as a named driver – If a parent or friend with a good driving history sometimes drives your car, adding them as a named driver might bring down the cost of your policy. But don’t lie and say they’re the main driver, as that’s a type of fraud known as ‘fronting’.

What affects the cost of car insurance?

Insurance providers take lots of different factors into account when calculating your car insurance premiums:

  • Your age
  • Your occupation
  • Your address
  • How long you’ve been driving
  • Your driving history – including accidents and driving offenses
  • Your no-claims discount
  • All of the above for any other named drivers you add to your policy
  • The amount of voluntary excess you choose
  • The make and model of your car
  • Where do you park your car overnight
  • Your annual mileage

Insurers use all of this information to statistically assess your level of risk and calculate your premium accordingly.

It’s really important to compare quotes before you buy car insurance because each insurer will calculate this risk and price its premiums slightly differently – that’s why you get lots of different quotes at different prices.

It’s cheaper to pay for your insurance annually in a lump sum at the start.

What details do I need to obtain a quote?

Car Information

Either your car registration or the make
and model of your car if you do not know it.

Personal Details

Including your name, contact details,
address & occupation.

Driving History

How long you have been driving, details of
any convictions, length of any no-claims bonus.

Car Usage

What the car will be used for, e.g. social, commuting
or business and your estimated annual mileage.

What type of car insurance do I need?

The best car insurance for you is an affordable policy that covers what you need – don’t just pick the cheapest option.

You’ll need third party cover as a minimum. It’s compulsory, and you can’t legally drive without it. But exactly what you’re covered for depends on the type of policy you choose.

There are three main types of car insurance available: Fully comprehensive, third party, fire and theft, and third party.

It’s worth comparing all your car insurance options to find the deal that’s right for you.

Fully comprehensive – often referred to as ‘fully comp’, this gives you the highest level of protection.  

Third party, fire and theft – this gives you everything you’d expect from a standard third party policy, but also protects you if your car is stolen, or damaged by fire. Fire damage includes deliberate acts, such as arson, as well as accidental fires.

Third party – every driver is legally required to have at least third party car insurance. This covers you if you damage someone else’s car or injure another person. But it won’t cover any injuries to you, or damage to your own car.

 

Those are the basics. Now, let’s look in more detail at how these different types of car insurance work.

1. Fully comprehensive car insurance gives you the highest level of cover. If you’re looking for peace of mind or have a new or expensive car, this could be the right policy for you.

Fully comprehensive insurance typically covers:

  • Damage to someone else’s car or property
  • Injury you cause to others
  • Injury to your passengers in an accident
  • Fire damage*
  • Theft (and possibly damage caused by attempted theft)*
  • Chipping/scratching*
  • Malicious damage and vandalism*
  • Accidental damage to your car*.  

 

*After you pay your excess

Watch out: Comprehensive car insurance doesn’t necessarily mean everything. Your policy may or may not include features like a courtesy car, windscreen cover and cover for personal belongings, like a handbag or laptop. However, you should be able to add these as extras. 

Your policy may not cover personal injury if the accident is your fault, so always check the small print when you get a quote. If your policy doesn’t cover certain situations as standard, you can typically pay to add them as extras.

 

Third-Party Fire & Theft insurance

2. Third-Party Fire & Theft Insurance offers everything you’d get with a third party car insurance policy, but with added protection against fire and theft.

This is useful if you want more than the bare minimum of cover, or live in an area with high crime rates. It’s worth noting though, that some policies won’t cover damage caused by attempted theft, so check your policy carefully.

 

Third party, fire and theft insurance typically covers:

  • Damage to someone else’s car or property
  • Injury you cause to others
  • Injury to your passengers in an accident
  • Fire damage*
  • Theft (and possibly damage caused by attempted theft)*

 

*After you pay your excess

Third party, fire and theft insurance won’t cover: 

  • You
  • Your car (except for fire damage and theft) 

 

Watch out: Bear in mind that you won’t be covered for accidental damage.

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