compare my car insurance

We are completely dependent and only work for our clients.

Unlike some of our competitors, we are not owned by an insurance company. As a result, we can provide the best value, with savings delivered directly to you when you look to compare motor insurance quotes.

We combine independence, which allows us to negotiate the best prices, with excellent technology, which allows us to find the best value products and services.

That makes us, in the opinion of our customers, the best price comparison website.

Is it necessary for me to have car insurance?

Motor insurance is required by law. If you own or drive a car in the United Kingdom, the law requires you to have at least third-party only insurance. Even if you don't drive your car and keep it parked on the street, driveway, or garage, you must have insurance. This is true for all drivers and you can get car insurance for:

Young driver insurance - If you are a driver between the ages of 17 and 24,
Learner driver insurance - If you are taking lessons while holding a provisional licence,
Over 50’s insurance - If you are over the age of 50, you are a named driver. If you want to add another driver to your policy,
New driver insurance - If you just passed your driving test,
Disabled driver insurance - If you require additional protection as a result of your disability

Why should you get cheap car insurance from us?

Over 110 leading brands are compared.
You could save up to £235 on your car insurance.
Get a quote in under 5 minutes.

How to Compare Car Insurance Quotes

Our goal is to make it simple to find cheap motor insurance quotes so you can get back to enjoying the open road:

Quick and easy - Just enter a few details about yourself, your car, and the coverage you require.
See your savings – We'll do the legwork to find the cheapest car insurance with the coverage you require – you could save up to £2350.

What level of cover do I require?

Because no two drivers are the same, when you purchase car insurance, you will have the option of selecting one of three basic levels of coverage:

Fully comprehensive - The highest level of coverage available is fully comprehensive car insurance. You'll be covered for damage, repairs, medical bills, fire damage, and theft. In addition to causing damage to someone else's car or property.
Third-party, fire, and theft policies provide coverage for other people, their vehicles, and their property, as well as protection for your own car if it is stolen or damaged by fire.
Third-party - Third-party only car insurance is the bare minimum legal requirement, but it is also the most expensive type of coverage. It covers other people's injuries as well as damage to their vehicles and property.

What kinds of vehicles can I insure?

Classic cars - HMRC defines a classic car as one that is over 15 years old and worth more than £15,000. Premiums are typically lower than standard policies because older vehicles have lower speed limits and classic car owners tend to take good care of their vehicles while being on the road less frequently.
Sports cars - Sports cars are low-slung vehicles that are built for speed and performance. Sports car insurance premiums are typically higher than standard car insurance premiums because sports cars have more powerful engines and can reach higher speeds, increasing the statistical likelihood of an accident.
Modified cars - Cars that have been modified, such as custom bodywork or paint jobs, engine upgrades, or new wheels. When you improve your car's appearance, performance, handling, or functionality, insurers classify it as a higher risk and charge you more for cover.
Electric cars - Vehicles that run solely on battery power. Electric cars are relatively new to the market, and they use technology that isn't as widely used as standard petrol cars. As a result, they can be more expensive to repair and insure.
Green cars - Green cars are those that are fuel-efficient, have hybrid engines, or run on alternative fuels. Your premiums will be determined by your policy, your vehicle, and how you drive. Some insurers do offer lower premiums and deals for green car insurance, so shop around before deciding on a policy.
Imported cars - An imported car is one that you purchased and had delivered from another country. They are frequently more difficult and expensive to insure because they are more expensive to repair and are frequently higher-spec, with more powerful engines. They are sometimes modified to comply with UK regulations, which adds extra work and risk for insurers.

What other types of covers are available?

Because we use our cars in a variety of ways, insurance companies offer specialised cover for certain situations:

Driving in Europe or other countries - This covers you if you drive your car in Europe or other countries.
Business use - This type of cover protects you when you use your car for work or business.
Short term cover - Short-term insurance enables you to obtain temporary car insurance for a period ranging from a day to a few months.
Multi car insurance - This option allows you to add more than one car to your policy.
Telematics - Telematics enables you to reduce your premiums by installing a black box (also known as black box insurance).

What is the cost of car insurance?

A variety of factors can influence the cost of your car insurance, but in general, your premiums tend to decrease as you get older. For fully comp cover, 20–24 year olds pay £1,249 per year, 30–39 year olds pay £629, and 50–64 year olds pay around £310. Because younger drivers have less driving experience and are more likely to be involved in an accident, insurance companies believe they are more likely to file a claim.

Even though it provides the most coverage of the three options, fully comprehensive coverage is usually the most expensive. It used to be the other way around, until insurers realised they were getting more claims on third-party only policies because younger or inexperienced drivers chose this as the cheapest option. As a result, the price of third-party only policies increased, and the trend reversed. Fully comprehensive coverage is now the cheapest motor insurance.

What else influences your car insurance cost?

Insurers take a variety of factors into account when determining how risky you are – and the greater the risk you pose, the higher the cost of your car insurance. Considerations include:

Your current location - Some postcodes may be more prone to theft or vandalism than others. Those in London, for example, pay an average of £790 for their annual premium, whereas those in Scotland pay only £440
Your job title - Some jobs may be viewed as more dangerous by insurers, especially if they require a lot of driving or working with heavy machinery.
Your mileage - The more time you spend on the road, the more likely it is that you will be involved in an accident. If you drive infrequently, low-mileage insurance could help you save money.
Make and model of your vehicle - Cars in higher insurance groups are typically more expensive to insure. Using our car insurance group tool checker, you can determine which car insurance group your vehicle belongs to.
Your car storage and security - Garages, driveways, and car ports reduce the risk of theft or vandalism in general.
Your driving record - This includes any driving convictions you may have had in the past, as well as any claims you've made on car insurance policies.
Your voluntary excess - By voluntarily paying a higher excess fee, you are signalling to insurers that you are less likely to file frivolous claims for small sums.
Any additional drivers on your policy - If you are under the age of 25, you may find that adding a more experienced driver to your policy lowers your premiums.

What information do you require in order to obtain a motor insurance quote?

Details about the car - If you know it, include the registration number. If not, the make and model are acceptable. We'll also need the age of the vehicle and any modifications you've made.
Your contact information and your driver's licence - Include your job, age, and address, as well as any additional drivers you may have. We'll also need to know what kind of licence you have, how long you've had it, any claims you've made, and your driving history.
What you plan to use the car for - social, commuting, or business - and how many miles you plan to drive in a year You'll also need to specify where you'll park the car at night for security reasons.
What you plan to use the car for - social, commuting, or business - and how many miles you plan to drive in a year You'll also need to specify where you'll park the car at night for security reasons.

How can I get a better deal on car insurance?

Here are some ideas for lowering the cost of your car insurance policy:

Build your no-claims discount – If you can avoid making claims for minor repairs or replacements by paying for them yourself, you can earn a discount on your premiums. The longer you go without claiming, the larger the discount should be.
Consider telematics - Telematics policies, also known as black box car insurance, allow younger and inexperienced drivers to earn lower premiums by demonstrating safe driving habits.
Avoid modifications - Modifying your car can often result in higher repair costs or the need for harder-to-find spare parts, so you'll likely pay more to cover these costs.
Avoid auto-renewal if possible - When the term of your car insurance policy expires, it will most likely be renewed automatically, but you may be able to find a better deal if you compare car insurance quotes online.
Pay annually - While paying an annual lump sum for your car insurance policy may appear to be a large initial outlay, it will cost less overall than paying monthly instalments.

What policy features are available with my motor insurance?

When shopping for car insurance, look for policies that include the following features. However, these will increase the cost of your policy, so consider whether you really need them:

Breakdown cover reimburses you for the cost of calling a mechanic if your car breaks down.
Courtesy car cover allows you to use a replacement vehicle while yours is being repaired.
Cover for the windscreen covers the cost of repairing or replacing a cracked windshield.
Car keys cover will pay for the cost of replacing your keys if they are lost, damaged, or stolen.
Personal belongings cover protects your belongings, which is useful if you frequently leave them in your car.
No-claims discount cover protects your no-claims discount by allowing you to make a certain number of claims in a year before your premiums are affected.
Wrong fuel covers the costs of repairs if you accidentally fill up your car with the wrong type of fuel.
Motor legal protection covers any legal fees you may incur as a result of a car accident.
If you are injured or killed in a car accident, personal accident cover will pay you a lump sum.