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 £283.83**
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 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.
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.
How much does car insurance cost?
The average car insurance premium costs £758, according to data from our Premium drivers report for the fourth quarter of 2017. The cheapest car insurance policy costs, on average, £629.
Ultimately, car insurance costs vary due to your own personal circumstances, but the one thing you can be certain about is that car insurance prices have risen. The average car insurance premium has increased by £43 since the fourth quarter of 2016.^^
Average premium across all ages
Q3 2017 - £740
Q2 2017 - £731
Q1 2017 - £729
Q4 2016 - £714
Q3 2016 - £697
Q2 2016 - £679
Q1 2016 - £682
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.