Want to buy really affordable car insurance, without compromising on quality and benefits? You may find the cheap bargain you are looking for by comparing up to 120 insurance policies, from very reputable insurers, on our site. Click here to look for cheaper car insurance!
Why should I look for cheap car insurance here?
- We don't spend a fortune on expensive advertising - money that would otherwise come out of YOUR pocket eventually.
- The search engine is completely independent and (unlike many major search engines) it is not owned by an insurance company. This means that you can get completely unbiased results, increasing your chances of finding very cheap car insurance.
- Not just large insurers are invited to offer you quotations but also lots of specialist companies. Depending on their own specialities, these may offer extremely reasonable prices to groups such as, for instance, young drivers; mature, experienced ones; female motorists; sports or SUV owners; or even people in high risk postcodes or occupations. So regardless of your requirements we may help you find much lower priced quotes, or better benefits.
- We are members of the prestigious British Insurance Brokers Association and we are listed on the Financial Conduct Authority's website (reference number 765239) and you can find our FCA listing here. This means that you can have confidence that you will be treated fairly and honestly, and you will have big guns to complain to in the (extremely unlikely!) event of something going wrong.
- Over three million people have already been helped to find low cost quotes by this search engine!!
Which car insurance company guarantees the cheapest UK insurance?
None of them can guarantee to offer the most inexpensive premiums to everyone. This is because they all calculate them based on many factors: not least of all your address, age and driving experience. They all interpret these in different ways. Some, for example, prefer to deal with customers with a good, long driving record and so they may offer them really cheap quotes. Conversely they might not be keen on younger or more accident prone customers, and so their premiums for 17 to 25 year olds can be more expensive than average. Other companies, however, may take the opposite view. This is why to get the most competitive quotes it is usually best to compare multiple quotes from many insurers.
How do I find the most affordable motor insurance?
Most motorists pay too high a premium, whether they are young drivers, learners, or quite experienced ones, but there are ways of saving a lot of money, without buying substandard cover.
Comparing prices from the market's leading insurers isn't enough; to get the best bargains here are a few more things you can do, to get even lower quotes:
- Start comparing prices a month before you need a new policy and order it well in advance.
- If you are young or inexperienced persuade a more experienced, safe driver to join you on the policy.
- Experiment with your job description; for example a fashion photographer may pay a lot more than someone just described as a photographer; a bricklayer may pay more than a builder; a care assistant may Pay more than a trainee nurse. Make certain that you can justify it though!
- Consider the optional extras that may be included with your policy. Do you really need them? Ask the insurer for a discount if you remove them.
- Be wary of 3rd party or 3rd party fire and theft policies.
- Make sure you're on the voter's list.
- Pay the full premium upfront in the normal way. It can cost a lot less.
- Consider a black box policy, but think about the drawbacks, too.
- Steer clear of modified cars
- If you want to pay monthly get quotes for payment in full first. You may have a shock.
There is more about these ways of saving money, and others, below.
Finding The Best Motor Insurance - Checklist
Why should I pay less if I buy my insurance in advance, instead of at the last minute?
Reserch that we carried out indicated that many motorists who are looking for cheap car insurance might save money by buying their next policy well in advance - up to a month ahead is possible with most insurance companies and although everyone's circumstances are different we found a saving avaraging around £60 for our test group. Your own experiences may of course be entitely different from this! There are two reasons why insurers may offer better discounts:
1) People who buy policies in good time are generally well organised people, and statistically this group is less likely to be involved in accidents, and claims; and
2) Motorists in a rush to get cover in place at the last minute have less time to shop around and so are more likely to accept a higher price than they otherwise would have done.
Can I rely on price comparison sites to find me the lowest prices?
Those in the UK are firmly regulated by the Financial Conduct Authority so they are obliged to act honestly andfairly. However when you buy a policy your contract is with the insurer, not the comparison site. Accidents can happen and before you buy a policy make sure that you really are getting the benefits that you thought you were paying for. The insurer you choose will send you all the documentation and you should check it carefully.
Also; mass producing quotations means that a comparison site may make various assumpions about you; if these prove to be incorrect it is quite possible for an insurer to demand a higher premium, so don't always assume that the price you are quoted will be the one you pay.
Bear in mind, too, that nearly all of them will only display results from companies that pay them a commission. Most of the big sites are owned partly or wholly by insurance companies so the temptation to push their own products must be high! Click here to compare quotes.
Why should my inclusion on the voters list affect insurance quotes?
When insurers calculate a premium the trust factor is extremely important to them. They want to be confident that you are who you say you are, that your answers on the proposal form are 100% accurate, that you can be relied on to drive carefully. Rightly or wrongly some of them are suspicious of applicants who are not included on the local voter's list, particularly if a 'pay monthly' policy is applied for.
The proposal form asks for my driving licence details. Should I provide them?
It is possible for insurers to find out a great deal about your driving history from your licence number so a willingness to provide it is a good trust signal which may result in better quotes.
Do I have to buy car insurance for a full year?
Do you really need to drive all the time? Short term motor insurance costs more on a day to day basis but it can be more economical if you only need cover for a short while. You can get quotes for between one and 28 days cover from www.carinsurancefor1day.co.uk.
Why should a more experienced driver to my policy reduce my premium?
Insurers like to see experienced drivers with a good accident free record driving your vehicle as well as you. However do bear in mind that this driver should genuinely drive it from time to time; and you must have that person's permission to be included on the policy.
If your named driver has a fault accident whilst driving your car it is your no claims discount that would be lost, and the named driver would have to report the accident when applying for insurance in the future. So, you could both get increased premiums.
Does my exact job description matter?
Many of our jobs can be described in several different ways. There is nothing wrong in seeing which of those that match your occupation bring up the most economical prices.
If you are, say, a builder, you might also be a plasterer, a bricklayer, a drain layer, and a roofer - or all of them at the same time. All these occupations may attract different quotes and some of them may cost substantially less than others.
Make sure that you are being accurate though. You may well have to confirm this sometime in the future, and insurers do know more about us all than we realise. If you have already told one insurer that you was a chef and another that you worked as a nurse it may raise some eyebrows.
Should I search for comprehensive prices first, even if I want third party only?
Some insurers are wary of people who ask for 3rd party quotes, and it's sometimes more expensive than comprehensive cover anyway, despite the difference in benefits. Get comprehensive quotes first.
Do modifications affect a car insurance quote?
Insurers do not like modifications. Modern cars are carefully designed to be as safe as possible for the occupants and other road users and non standard modifications have been known to have a bad effect on handling and braking, particularly if different engines or suspension systems have been fitted. Even fitting allow wheels, to replace steel ones, can affect a car's carefully calculated balance.
Also, rightly or wrongly, the companies wonder whether a customer who makes those modifications is suffiently interested in avoiding accidents in it, rather than squeezing the last bit of performance from it.
If you do have a modified motorcar you may be better going for quotes to a broker who specialises in them.
Why should I consider a multi car policy?
A number of insurers do offer good discounts to people who insure several cars at the same address. However these companies may still not offer as good a deal as you could get elsewhere so don't be swayed by the size of the discount. Get more quotes and you may save even more.
Will fitting a dash cam lower my premium?
It might - it's up to individual insurers. However it can be really useful in the event of a disputed claim if you have actual footage of what happened. Given the prevalence of cash for crash scams this can be extremely important.
Does offering a higher voluntary excess lower quotes?
Remember though that if you have an accident that you're at fault for you will have to pay this, in addition to any compulsory one, so use this tactic carefully.
Is a 'black box' policy worth buying
For many young or inexperienced drivers a black box; often known as telematic; policy is the cheapest option and they are believed to have been responsible for reducing accidents by providing more incentive for careful driving. Be aware though that a driver who is recorded as breaking some of the criteria, such as exceeding speed limits or braking and cornering harshly, can be heavily penalised.
You may also have additional expences and inconvenience if you switch insurers, since the old tracker will have to be removed and a new one installed.
Make sure you check online reviews of a company that offers you a policy of this kind. Some of them have allegedly had teething problems with false infractions recorded and these can have disastrous consequences, particularly if they result in cover being withdrawn.
Could I save money on insurance by buying a newer car?
A lot of young drivers in particular start off on older and cheaper cars but these often attract higher premiums. Modern vehicles can be packed with safety features such as automatic braking control, collision sensors, crumple zones and many others that reduce the risk of accidents and mitigate the effects if they do occur. As a result these cars earn lower insurance rates. If you are concerned about how safe your car (or one you want to buy) is, a good place to start is Thatcham Research, which carries out testing on different models and gives them all an insurance rating. The lower the rating, the less you can expect to pay.
Do I need to be concerned about hidden extras in my premium?
Insurers cannot hide extras. By law they have to be explained clearly and the information has to be easy to find. Some cheaper insurers charge a lot of money for just changing your address or job in their records. People who complain about this usually get nowhere with the Insurance Ombudsman if they were provided with this information - but who didn't read it. And most people don't, so make sure you look through the policy details that have to be provided to you before you hand over your money.
Should I buy the cheapest possible policy?
We usually get what we pay for. If you are offered a really low price by a company you have not heard of at least do a search for reviews of them; you may find that they cut their prices to the bone but offer a poor service in return.
One day you may need to ask your insurer what to do if you are involved in an accident or how to make a claim against your policy. Some insurers are better than others at answering queries promptly andpaying up easily, with the least fuss. Before you actually buy that policy it may be a good idea to type the name of the insurance company into your favourite search engine and see what other people say about them.
Also: insurance scams are rare but they do happen. Be wary of advertisements on social media offering crazy prices; if it looks too good to be true, it probably is! A common fraud is to impersonate a genuine insurer or broker and the unsuspecting motorists only find out about it when they are pulled over by the police who tell them that they are driving whilst uninsured; or when they try make a claim but find that the 'insurer' has disappeared. Never deal with a company that operates out of a mobile phone number; asks you to pay by any method other than by credit card; or which rings or emails you out of the blue to offer really reduced prices.
Can I pay monthly for car insurance?
If spreading the cost of your policy over a year suits your budget best then many insurers do offer instalment plans in which you borrow the premium from either the insurer or a finance company then repay it over anything up to a year. These are invariably more expensive though. Interest and management charges on your loan can be pricey.
Some of the best, well established insurers with reasonable premiums will not accept this type of business so you could be missing out on the biggest bargains. Always get quotes for paying the full premium in advance, as well as with extended payments, and see what you might save by paying upfront.
Click here for more information on paying monthly with low deposits.
How do I check that an insurer is genuine?
If you have any doubts do an online check with the Financial Conduct Authority or any relevant trade association that the company is genuine, and operates from the same address that it is registered at. For instance We are members of the prestigious British Insurance Brokers Association (our membership number is 007759) and we are introducer appointed representatives registered with the Financial Conduct Authority number 765239 (you can check that on the FCA website) .
Do I have to accept the optional extras that are included with a new policy?
Many quotes on price comparison sites include extras such as legal representation or a free courtesy car in the event of an accident. If you really want these then, fine, but you can always ring the insurers and ask for a discount if they are removed; some will, some will not but it is worth a try and may save you money. Also, insurance company sales staff can offer price reductions to tempt you to buy these or other extras but remember that when your next renewal date arrives you may be charged full price for them. In this way, that bargain priced policy can become an expensive one extremely quickly.
Can I haggle over a renewal premium?
Insurers want you to stay with them. After they have spent money on expensive advertising they do not want you to leave them for a cheaper company so they try to lock you into automatic renewals. If you refuse to let them do this you will be free to haggle, and quite often just ringing your current insurer, and telling them that you intend to compare prices, can result in a substantial reduction in your premium. If they will not give you a discount (and most will) then it is time to shop around.
Should I pay extra for a protected no claims discount?
To push up the price of an otherwise low cost policy many insurers offer a guaranteed no-claims bonus in the event of a claim. Most people think that if they pay for this, and then they do have an accident, their premiums will not increase. They are wrong.
A no-claims bonus is a percentage that is taken off the basic premium. If that NCB is protected then it will still stay the same; an existing 35% reduction is stll 35%, 60% off is still 60%. However the basic premium is going to increase substantially. In other words, rather than the total premium staying the same after your little bump, it will still increase, possibly by an awful lot. Do not fall for it.
Do I have to tell my insurer about every little bump I have?
Strictly speaking, you should tell them about every little accident. This is true even if there was no damage caused, even if you paid for it yourself, even if another driver admitted liability and paid for any damage to your car. The reason is: the insurer is concerned with the likelihood of you having an accident in the future. If you have had a minor collision but paid for the damage yourself, then (in the eyes of the insurers) you are still more likely to have more mishaps. What they do not know about, they cannot worry about, but it is usually a condition of every policy that you are completely upfront about every crash, minor or otherwise, that you have been involved in. So, again, you should let them know. Will you? It is up to you.
Is it cheaper to buy short term car insurance?
Temporary car insurance can be used for insuring a car for between a single day and four weeks. However it costs an insurer in overheads as much to set up a policy for a few days as it does for a standard 365 days one so on a day-by-day basis a short term policy is dearer. However it can be a very economical option for people who only need to drive a car for a few days or weeks. You can get more information from this temporary car insurance site.
Do price comparison sites always offer the best bargains?
Most vehicle insurers and brokers have special offers from time to time, and sometimes these are quite generous. The problem is that there is no way of telling when they will be available. This is a good reason to use a price comparison engine, because it will get you quotes from a very large number of insurers which should include their latest offers.
However, how impartial are they? Remember that most larger comparison sites are owned by insurers who have their own products to promote. Are their results really impartial? Do they necessarily show the cheapest price available? Remember that none of them compare policies from every single insurer in Britain, and many (most) only display offers from those that pay them a commission. Someone, after all, has to pay for those lavish TV adverts. So, sometimes you will get a better price from a small broker (if you can find one) particularly if you have had a number of accidents or convictions, you have medical issues to take into account, you drive a rare or valuable car, or you differ from the normal motorist in any other way.
What type of cover should I buy?
There are three main types of car insurance:
- Third party only
- Third party fire and theft
Third-party only provides just the absolute basic minimum cover required by law. This means that if you are involved in an accident which was your fault the insurance company would pay out for any damages to property belonging to other people, or any injuries that they sustain. It would not however pay for any damage to your own vehicle or property.
Whilst third-party cover used to be the cheapest option, and very popular, insurers found that the level of claims they had from customers with this type of cover was far higher than for comprehensively insured people. As a result premiums have risen substantially and many companies will not offer these policies at all. They usually represent very poor value for money.
You may wish to consider this low level of cover if your own car is not worth a great deal and you do not wish to be bothered with having to make any payments yourself in the event of an accident.
Third party fire and theft increases the cover somewhat; if your car is stolen or destroyed by fire (but not damaged in an accident) the insurer will usually pay for necessary repairs or replacement. There is, however, usually an excess that you would have to pay in respect of this, but you would still not be expected to pay anything towards third-party claims.
Fully comprehensive policies offer the highest level of protection to you. If your car is damaged in an accident it will normally be repaired or replaced by the insurer. There is, however, almost invariably a fairly substantial excess payment that you have to make in the event of any claim to make for damage to your own property or other losses you incur, such as car hire. However, most policies allow you to drive other vehicles other than the one that you have insured from time to time, although it is important to check your policy to confirm this, and to make sure that there are no restrictions.
These policies also usually include replacement of damaged windscreens (again, usually subject to an excess payment) and optional benefits such as courtesy cars whilst your own is off the road following an accident, roadside assistance if you break down or perhaps legal cover if you need the assistance of a solicitor for a problem connected to your motoring.
To give you a quote, insurers will need information about the following:
- The car you wish to insure.
The registration number alone is usually sufficient, otherwise you will just need to enter the make, model and year. An automatic check will be made to find out which insurance group the car falls into. You will need to state whether or not the car has been modified in any way, and how long you have owned it.
- Your own details.
Your name, address, marital status, age, length of time in the UK, occupation, home ownership status, and other occupations if any.
- Your driving record.
Details of any convictions or accidents (usually within the last five years), type of driving licence, how long you have been driving, and how long a no claims discount you have earned.
- What the car will be used for.
The normal choices are social domestic and pleasure, social domestic pleasure and commuting, or business use. You will need to estimate your expected mileage and state where the car will be kept during the day and overnight.
- The type of cover that you require.
Options are third-party only, third party fire and theft, or comprehensive.
- Whether or not you have you ever had a policy cancelled or refused, or had special terms imposed on it.
if the answer is yes this will not necessarily prevent you from getting a quotation but you will probably need to provide extra information to the insurer.