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What is car insurance?
Driving is unpredictable. The weather can change in an instant, you could be involved in an accident – even the most careful drivers can get caught out. Car insurance is a safety net, it provides financial protection when these unexpected things happen. It helps to manage the costs of accidents or damage and gives you peace of mind. Plus, it’s the law! So, to make sure you’re covered, meet your legal requirements, and you’re not overpaying for it – just take a quick look around using a reliable car insurance comparison tool.
What type of car insurance do I need?
Comprehensive
Full car insurance, in short, is the most comprehensive cover. It goes beyond third-party liability which covers damage or injury to others. It covers damage to your own vehicle even if you are at fault or no one is involved. This includes theft, vandalism, fire and natural disasters like storm or flood.
Considered by drivers who:
- have a brand new or high value vehicle.
- live in areas prone to theft or adverse weather.
- want to have maximum peace of mind knowing they are covered for many risks.
Why Choose comprehensive?
Drivers choose full cover because it gives significant financial security. If something unexpected happens, you can be rest assured that the cost of repairs or replacement will be mostly covered, minimising your out-of-pocket expenses and giving you an extra layer of protection against life’s uncertainties.
Third-party, theft and fire
Third-party, fire and theft insurance provides focused protection. It covers your liability for damage or injury to others (the third-party) and financial loss if your vehicle is stolen or damaged by fire. It protects you from the big costs of these specific risks.
Considered by drivers:
- who want a more affordable option.
- with older, lower value vehicles where comprehensive isn’t justified.
Why choose Third-party, theft and fire?
It covers you for big third-party claims and theft and fire. It’s a practical way to cover the biggest financial risks without the wider cover of a comprehensive policy.
Third-party only
Third-party insurance is the basic coverage. It’s to protect you financially if you damage or injure someone else or their property while driving. So, if you accidentally damage someone else’s car or a pedestrian, this will cover those costs.
Considered by drivers:
- that want the minimum legal requirement.
- who perhaps have older less valuable cars where comprehensive might not be economically viable.
- with very confident driving skills and just want to tick the legal box.
Why choose Third-party only?
While it doesn’t cover your own car, choosing third-party insurance can be a way to manage your insurance costs if you’re on a tight budget while still being legal.
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How to compare car insurance quotes
The process is quick and simple! Enter some details into the online quote form and submit!
Details on the car
The car’s value, security features, and annual mileage will need to be provided. Make and model will be automatically found using the registration you enter.
A little info on the driver
Provide basic information on the driver – age, occupation, previous claims and driving history.
What type of cover required
Select the type of cover you’re after, along with the expected car’s usage and desired policy excess.
See how much you could save –
Compare quotes with 120+ UK insurance providers
How to save on your car insurance
1
Increase excess
Increase your voluntary excess. A higher excess means you’ll pay more if you claim but it can knock down your annual premium. Find the balance between affordability and potential claim costs.
2
Annual payment advantage
Pay your premium annually not monthly and you may save money. Insurers sometimes charge interest on monthly payments so a lump sum payment can eliminate these extra costs.
3
Protect your no-claims bonus
Protect your no-claims bonus is key. Drive safely and consider no-claims bonus protection which allows you to make a limited number of claims without losing your discount.
4
Vehicle choice matters
The insurance group of your car plays a big part in determining your premium. Choosing a car in a lower insurance group can save you thousands. Research insurance groups before you buy a car.
5
Named driver
Adding a responsible, experienced named driver to your policy can sometimes lower your premium especially if they have a clean driving record. But make sure the main user of the car is the main policy holder or it will be seen as fronting which is illegal.
6
Accurate mileage reporting
Insurers take your annual mileage into account when calculating your premium. Be realistic about your mileage. Underestimating can invalidate your policy while overestimating can cost you more.
7
Security and garaging
Adding security to your car with alarms, immobilisers or trackers can reduce your risk of theft and lower your premium. Garaging your car overnight can also save you money.
8
Consider telematics
If you’re a safe driver consider a telematics (black box) policy. These policies track your driving habits and reward safe driving with lower premiums.
9
Shop around and compare
Never accept the first quote you get. Use comparison websites to compare multiple insurers and find the best deal. Remember to compare like for like policies as the cheapest isn’t always the best.
10
Time your policy renewal strategically
Don’t wait until the deadline to renew your car insurance. Insurers can hike up prices for those who renew on the day. Start comparing quotes a few weeks before your renewal date to get the best.
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FAQ's
What’s the difference between ‘comprehensive’ and ‘third-party’ insurance, and which one do I really need?
This is a common question! Think of ‘third-party’ as the basic legal minimum. It covers damage or injury you cause to other people or their property. ‘Comprehensive’ covers all of that, plus damage to your own car, even if it’s your fault. So, ‘need’ is a bit subjective. If you’re driving an older car and just want to be legal, third-party might do. But if you want full peace of mind, especially with a newer car, comprehensive is the way to go.
How does my driving history affect my insurance premium?
Your driving history plays a big role. Insurers look at things like past accidents, speeding tickets and other traffic violations. Basically they’re trying to gauge how likely you are to make a claim. A clean record usually means lower premiums, while a history of incidents can increase costs.
What else impacts my car insurance costs?
Beyond driving history, insurers consider many things. Your age, the type of car you drive, where you live and even your occupation can all impact your premium. Also, your annual mileage and security features on your car play a part. It’s a whole mix of things they look at. See our top tips on ‘How to save on your car insurance’ for more money saving considerations.
Can I lower my premium by increasing my excess?
Yes, absolutely. Increasing your excess – that’s the amount you pay out of pocket if you make a claim – can often lower your premium. It’s a trade-off: you pay less upfront, but more if you need to make a claim. Just make sure you can afford the higher excess if something happens. See top tips for more money saving considerations.
What’s ‘no-claims discount’ and how does it work?
No-claims discount is a reward for being a safe driver. For each year you go without making a claim, you usually get a discount on your premium. It can add up to a big saving over time. Worth protecting, so be careful about small claims that might eat into it
Are there any discounts I should be aware of?
Yes! Many insurers offer discounts for things like advanced driving qualifications, security devices or multiple policies with them. Always ask your insurer or check their website for savings. Sometimes you can save just by paying annually rather than monthly.
How do I know I’m getting a good deal on my car insurance?
Best way is to shop around and compare quotes from different insurers. Price comparison websites are a good starting point. Also check reviews and ratings of insurers to see what other customers say. It’s not just about price, but also about the level of cover and customer service.
What happens if I forget to renew my car insurance?
Driving without valid car insurance is illegal and can lead to serious penalties, including fines and points on your licence. Plus you won’t be covered if you have an accident. Most insurers will send you a reminder before your policy expires, so renewal well in advance is best.
What do I do if I need to make a claim?
We know making a claim follows a stressful or upsetting event and all insurers will want to make the process as smooth as possible for you. In the event of something happening, you are advised to firstly ensure everyone involved is safe. Then gather as much information as possible, including photos, witness details and the other driver’s information. Contact your insurer as soon as possible and follow their instructions. They’ll guide you through the claims process.
Are price comparison websites really trustworthy?
Price comparison websites can be a useful tool for finding competitive quotes. They cut out a lot of the hassle, usually saving you time and money by bringing together direct quotes from leading and trusted car insurance providers, into one place. Always a good idea to also check directly with some insurers, especially those known for specific niches or good customer service.
The protection offered through the Financial Services Compensation Scheme (FSCS) applies to our regulated financial advice services only. Insurance comparison services are not regulated and not covered by FSCS protection.
151% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
2This information is intended for editorial purposes only and not intended as a recommendation or financial advice.
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