Fully comprehensive
Fully comprehensive cover is the best car insurance policy as it gives you the highest level of protection. It will cover you for a wide range of risks, often at the cheapest price.
Average annual cost: £6514
Car Insurance
Car insurance is like a safety net for your precious vehicle. It’s a contract between you and an insurance company where you pay a premium, and they agree to cover certain losses in case of an accident or theft.
Table of Contents
- What Is Car Insurance?
- Best Car Insurance?
- How much does car insurance cost?
- Why is car insurance so expensive?
- How can I get cheaper car insurance?
- Types of Car Insurance Coverage
- Other Motor Insurance Products
What is Car Insurance?
In simple terms, car insurance is a financial safeguard that helps protect you and your wallet in case something unexpected happens to your vehicle.
Car insurance plays a crucial role in providing financial protection and peace of mind for vehicle owners. Understanding the ins and outs of car insurance is essential for drivers to make informed decisions when it comes to selecting coverage options, choosing the right provider, and ensuring compliance with legal requirements.
In this comprehensive guide to car insurance, we will delve into the various types of coverage available, factors that influence insurance rates, the importance of having car insurance, as well as tips for reviewing and updating policies to meet changing needs. Additionally, we will explore the claims process to help readers navigate potential scenarios effectively.
Types of Car Insurance Coverage
When it comes to car insurance, it’s not one-size-fits-all. There are different types of coverage options to choose from, depending on how much protection you want for your ride.
Liability Coverage
This is like the “oops, my bad” insurance. It helps cover costs if you’re at fault in an accident and someone else is injured or their property is damaged.
Collision Coverage
You know those heart-stopping moments when you accidentally bump into something? Collision coverage has your back by helping pay for repairs or replacement if your car is damaged in a collision.
Comprehensive Coverage
Think of this as the “just in case” insurance. It covers damage to your car from things like theft, vandalism, or natural disasters, so you can drive with a little less worry.
Factors Affecting Car Insurance Rates
Why does your friend pay less for car insurance even though you both have similar cars? It’s all about the factors that insurance companies consider when calculating your rates.
Driving Record
If your driving record looks like a highlight reel of speeding tickets and fender benders, insurance companies might see you as a risky bet and charge you more for coverage.
Vehicle Type and Age
New sports car? Prepare for higher premiums. Older sedan? You might catch a break. The type and age of your vehicle can impact your insurance rates.
Location and Usage
Where you live and how you use your car also play a role. Urban areas and long commutes can mean higher rates, as there’s a higher chance of accidents or theft.
Choosing the Right Car Insurance Provider
Finding the right car insurance provider is like finding a good dance partner – you want someone who’s reliable, knows their moves, and won’t step on your toes.
Researching Different Providers
Don’t settle for the first insurance company that comes your way. Shop around, read reviews, and ask questions to find a provider that fits your needs and budget.
Comparing Coverage and Costs
It’s not just about the price tag. Compare coverage options, deductibles, and customer service ratings to make sure you’re getting the best value for your money.### The Importance of Car Insurance
Best Car Insurance
About MoneySupermarket.com
Car Insurance from MoneySupermarket.com
A group of financial wizards gathered around a table, brainstorming ways to help people save money effortlessly. That’s how moneysupermarket.com was born back in 1999. Since then, it has been a beacon of hope for budget-savvy individuals searching for the best deals on everything from insurance to mortgages.
If comparing prices were an art, moneysupermarket.com would be the Michelangelo of the money-saving world. This website is your go-to guru for all things finance-related and is a lifesaver when it comes to finding the best deals on car insurance.
Mission and values
At moneysupermarket.com, the mission is simple yet powerful: to empower customers to make informed financial decisions and save money along the way. Their values revolve around transparency, trustworthiness, and a sprinkle of magical money-saving prowess.
Car insurance from MoneySupermarket.com
When it comes to car insurance, moneysupermarket.com doesn’t just offer a service; it offers a lifeline for those drowning in a sea of confusing insurance jargon. From comprehensive to third party, fire, and theft coverage, they’ve got you covered.
Types of car insurance available
Whether you’re a cautious driver who wants maximum coverage or a thrifty motorist looking for basic protection, moneysupermarket.com offers a range of car insurance options to suit every driver’s needs. They understand that one size does not fit all when it comes to insurance.
Key features and coverage options
Think of moneysupermarket.com as your personal insurance genie, granting your wishes for the perfect coverage. They provide key features like breakdown cover, legal protection, and even cover for driving abroad. With moneysupermarket.com, your car will be in good hands.
Benefits of using moneysupermarket.com for car insurance
Why settle for mediocre when you can have moneysupermarket.com in your corner? This platform offers a comparative advantage that puts them ahead of the competition, along with exclusive deals and discounts that will make your wallet do a happy dance.
Comparative advantage over other platforms
How to compare quotes and find the best deal
Comparing quotes doesn’t have to be a headache-inducing task. Thanks to moneysupermarket.com’s user-friendly platform, finding the best car insurance deal is as easy as pie. Just follow these simple steps and watch the savings roll in.
Step-by-step guide to using the platform
Step 1: Enter your car details. Step 2: Compare quotes from top insurers. Step 3: Pick the best deal. It’s as simple as that! With moneysupermarket.com’s intuitive platform, finding affordable car insurance has never been easier.
Factors to consider when comparing quotes
As you compare quotes on moneysupermarket.com, keep in mind factors like coverage limits, excess amounts, and any additional perks offered by the insurers. Don’t just focus on the price – make sure you’re getting the coverage you need at a price that won’t break the bank.
Customer reviews and ratings
When it comes to deciding on car insurance, hearing from actual customers can be a game-changer. See what users have to say about their experiences with moneysupermarket.com’s car insurance. From tales of exceptional savings to heartwarming stories of top-notch customer service, dive into the world of user testimonials and experiences.
User testimonials and experiences
Ready for some real talk? Customers spill the beans on their adventures with moneysupermarket.com’s car insurance. Get the inside scoop on the good, the great, and maybe the not-so-great. Buckle up, it’s going to be a wild ride!
Ratings and feedback on customer service
Customer service can make or break your car insurance experience faster than you can say “road trip.” Discover how moneysupermarket.com’s team stacks up in the eyes of their esteemed clientele. From lightning-fast claim processing to making you feel like a superstar, find out if they’re the insurance BFF you’ve been searching for.
Tips for saving money on car insurance
In a world where every penny counts, unlocking those sweet discounts on car insurance can feel like finding a pot of gold at the end of a rainbow. Learn the art of the deal with these savvy tips and tricks for saving big on your car insurance premiums.
Discount opportunities and strategies
Who doesn’t love a good deal? Explore the hidden gems of discounts and strategies that can knock those car insurance premiums down a notch. From multi-policy savings to drivers’ education perks, it’s time to snag those savings like a pro.
Factors that affect insurance premiums
Ever wonder why your car insurance bill feels like a rollercoaster ride? Unpack the mystery of insurance premiums and discover the factors that could be making your rates skyrocket. Buckle up as we navigate the twists and turns of what makes those numbers tick.
Additional services and resources available
Car insurance isn’t just about a safety net for your vehicle—it’s about having the right tools and support when you need it most. Check out the extra goodies and resources offered by moneysupermarket.com to help you navigate the road ahead with confidence.
Insurance calculators and tools
Who needs a crystal ball when you have insurance calculators and tools at your fingertips? Take the guesswork out of coverage decisions and premiums with these handy resources that put the power back in your hands. It’s like having a personal insurance wizard in your pocket!
Support and assistance options
When the road gets bumpy, having a reliable support system can make all the difference. Discover the support and assistance options available through moneysupermarket.com to ensure you never feel stranded in the world of car insurance. From claims support to expert advice, help is just a click or call away.
Final thoughts
And that’s a wrap, folks! Whether you’re revving up for a new car insurance adventure or fine-tuning your current coverage, moneysupermarket.com offers a one-stop shop for all your insurance needs. With user-approved service, money-saving tips, and a treasure trove of resources, they’ve got your back when the rubber meets the road. So, buckle up, drive safe, and let moneysupermarket.com be your co-pilot on the journey ahead.
Conclusion and final thoughts
As you navigate the world of car insurance, moneysupermarket.com stands out as a valuable resource for comparing quotes, finding the best deals, and saving money. With its user-friendly platform and access to exclusive discounts, customers can make informed decisions to protect their vehicles and finances. By leveraging the tips and resources provided, you can secure the right coverage at competitive rates. Trust moneysupermarket.com to simplify your car insurance search and enhance your overall insurance experience.
About Comparethemarket.com
Comparethemarket.com Car Insurance
Comparethemarket.com is a leading online platform that offers a comprehensive range of car insurance options for consumers. With a mission to provide accessible and transparent insurance solutions, Comparethemarket.com stands out for its user-friendly interface and competitive pricing. In this article, we delve into the various aspects of Comparethemarket.com’s car insurance offerings, exploring the features, benefits, pricing, customer service, user experience, and additional services available to help you make an informed decision when selecting a car insurance provider.
Comparethemarket.com is not just a website, it’s a wizard in the world of car insurance. With a mission to simplify the daunting task of finding the right insurance for your vehicle, Comparethemarket.com is your trusty companion in navigating the maze of insurance options.
Background of Comparethemarket.com
Born out of the frustration of endless phone calls and confusing jargon, Comparethemarket.com emerged as a beacon of hope for car owners looking for hassle-free insurance solutions. Since its inception, it has been dedicated to making insurance comparison as easy as pie.
Mission and Values
Comparethemarket.com‘s mission is crystal clear – to empower consumers with the information they need to make informed decisions about their car insurance. Their values of transparency, simplicity, and customer-centricity drive everything they do, ensuring that you get the best deal possible.
Car Insurance Options from ComparetheMarket.com
When it comes to car insurance, Comparethemarket.com offers a smorgasbord of options to cater to every driver’s needs and preferences. Whether you’re a cautious commuter or an adventurous road tripper, there’s a policy for everyone.
Types of Car Insurance Offered
From comprehensive coverage that protects you against all odds to third-party insurance that keeps it simple and straightforward, Comparethemarket.com has a range of insurance types to suit your requirements. Whether you’re a first-time driver or a seasoned pro, they’ve got you covered.
Customization and Coverage Options
Not a one-size-fits-all kind of platform, Comparethemarket.com also allows you to customize your policy to fit your unique needs. With options to add extras like breakdown cover, legal protection, and more, you can tailor your coverage to ensure peace of mind on the road.
Features and Benefits of Comparethemarket.com
What sets Comparethemarket.com apart from the rest are its nifty features and unbeatable benefits that make your insurance journey a breeze. With tools to compare prices and manage your policy seamlessly, they’ve got all the bells and whistles you need.
Price Comparison Tool
Gone are the days of endless browsing and confusing spreadsheets. Comparethemarket.com’s price comparison tool does the heavy lifting for you, making it a walk in the park to find the best deal on your car insurance. Just a few clicks, and voila – you’re on your way to savings!
Policy Management Features
No more digging through piles of paperwork or waiting on hold for hours. With Comparethemarket.com’s policy management features, you can easily access and update your policy details online, anytime, anywhere. Say goodbye to insurance headaches and hello to convenience.
Pricing and Discounts Available
At Comparethemarket.com, affordability is the name of the game. They understand that every penny counts, which is why they offer competitive premiums and discounts to help you save big on your car insurance. It’s like finding a pot of gold at the end of the insurance rainbow.
Standard Premiums
With straightforward pricing and no hidden fees, Comparethemarket.com ensures that you get bang for your buck with their standard premiums. Rest assured knowing that you’re getting a fair deal without any surprises along the way.
Discount Programs
Who doesn’t love a good discount? Comparethemarket.com spoils you with a range of discount programs that help you cut down on costs without compromising on coverage. Whether you’re a safe driver, a loyal customer, or simply looking for a bargain, they’ve got discounts galore to sweeten the deal.
Customer Service and Support
Contact Options
When it comes to getting in touch with comparethemarketcom for car insurance queries or assistance, they offer various contact options including phone, email, and live chat. So, you can choose how you want to slide into their DMs.
Claims Process
Filing a claim with comparethemarketcom is as easy as ordering pizza on a lazy Sunday. They have a straightforward claims process that doesn’t make you jump through hoops like a circus poodle. Just follow the simple steps, and you’ll be sorted in no time.
User Experience and Interface
Website Navigation
Navigating through comparethemarketcom’s website is smoother than a buttered-up penguin sliding on ice. The layout is intuitive, and finding what you need is a piece of cake (or slice of pizza, if you’re still thinking about that lazy Sunday).
Mobile App Functionality
Their mobile app is like having a mini comparethemarketcom in your pocket. It’s user-friendly, so you can manage your car insurance on the go without feeling like you’re battling a tech-savvy dragon.
Additional Services and Resources
Insurance Advice and Guides
Comparethemarketcom doesn’t just offer car insurance; they also provide insightful advice and guides to help you navigate the wild world of insurance. It’s like having a wise insurance guru whispering tips in your ear.
Roadside Assistance Options
Need a hero on the road? Comparethemarketcom offers roadside assistance options to save the day when you’re stranded with a flat tire or a car that won’t start. It’s like having your own personal car savior on speed dial.
Final Thoughts
In the world of car insurance, comparethemarketcom stands out like a funky flamingo in a sea of pigeons. With their customer-friendly approach, easy-to-use interface, and handy additional services, they make the car insurance journey a lot less bumpy and a lot more enjoyable. So, if you’re looking for insurance that’s as smooth as a perfectly executed parallel park, comparethemarketcom might just be your ticket to insurance bliss.
In conclusion, Comparethemarket.com emerges as a top choice for individuals seeking reliable and affordable car insurance solutions. With its user-centric approach, diverse coverage options, and convenient tools, Comparethemarket.com proves to be a valuable resource for those looking to secure their vehicles with peace of mind. Whether you are a seasoned driver or a first-time car owner, Comparethemarket.com’s commitment to customer satisfaction and quality service sets it apart in the competitive insurance market.
About Confused.com
About Confused.com
Confused.com is like your car insurance fairy godmother, waving its digital wand to help you find the perfect insurance fit without all the bibbidi-bobbidi-boo. It’s a comparison website that takes the hassle out of shopping around for car insurance quotes.
Confused.com has been sparking magic in the world of insurance since its launch in 2002. With a mission to simplify insurance shopping and save you precious time and money, Confused.com has become a trusted ally for those seeking car insurance solutions.
Car Insurance from Confused.com
Car insurance is a crucial aspect of responsible vehicle ownership, providing financial protection and legal compliance. In today’s digital age, platforms like Confused.com offer a convenient way to compare and purchase car insurance policies. This article serves as a guide to navigating Confused.com and understanding the various types of car insurance coverage available, providing tips for selecting the right policy, and highlighting common pitfalls to avoid. Let’s delve into the world of car insurance and how Confused.com can help you make informed decisions to safeguard your vehicle and finances.
Confused.com is a leading online platform that offers a comprehensive range of car insurance services to help consumers find the best coverage options tailored to their needs. With a user-friendly interface and innovative comparison tools, Confused.com simplifies the process of shopping for car insurance by enabling users to easily compare quotes from multiple providers. This article provides an overview of Confused.com’s car insurance services, guidance on comparing quotes, insights into policy coverage options, tips for saving on premiums, reviews from satisfied customers, and an exploration of additional tools and services available on the platform. Explore how Confused.com can assist you in securing the right car insurance policy efficiently and effectively.
Car Insurance Services Offered by Confused.com
Types of Car Insurance Policies
Whether you’re a careful driver or occasionally channel your inner speed demon, Confused.com offers a range of car insurance policies to suit your needs. From comprehensive coverage that wraps your car in a security blanket to third-party options that keep you legally on the road, they’ve got you covered.
Additional Coverage Options
Beyond the basics, Confused.com also offers a sprinkle of additional coverage options to tailor your policy just right. From breakdown cover to legal assistance, they’ve got the extras to add a little extra peace of mind to your insurance package.
Comparing Car Insurance Quotes
How to Use the Comparison Tool
Using Confused.com’s comparison tool is easier than deciding between a latte or cappuccino. Simply input your details, let the magic algorithms work their charm, and voilà – a selection of quotes tailored to your needs and budget will appear before your eyes.
Factors to Consider When Comparing Quotes
When comparing quotes, it’s important to look beyond the numbers. Consider factors such as coverage limits, deductibles, and any special features that may sway your decision. Remember, it’s not just about the price tag but the value you’re getting for your insurance buck.
Understanding Policy Coverage Options
Comprehensive vs. Third-Party Coverage
Choosing between comprehensive and third-party coverage is like deciding between a five-course meal and a quick snack. Comprehensive coverage offers a feast of protection for your car, while third-party coverage keeps things simple and affordable, covering any damage you cause to others.
Add-Ons and Customizations
Feeling fancy? Confused.com lets you play dress-up with your policy by adding on extras and customizing your coverage. From windscreen cover to courtesy car benefits, you can tailor your insurance to fit your unique needs like a bespoke suit.
Tips for Saving on Car Insurance
Bundling Policies for Discounts
Looking to save some extra cash for that gourmet coffee addiction? Consider bundling your car insurance with other policies like home or renters insurance. This can often lead to discounts and savings, giving you more dough to spend on the things that truly matter (like avocado toast).
Driving Habits that Affect Premiums
Want to keep those car insurance premiums in check? Remember, your driving habits can have a big impact on how much you pay. Safe driving practices like obeying speed limits and avoiding sudden stops can help keep your premiums from skyrocketing faster than that viral cat video you just watched.
Customer Reviews and Satisfaction Ratings
Testimonials from Confused.com Users
Ready to hear what the people have to say? Check out testimonials from real Confused.com users to get the scoop on their experiences. Who knows, you might find some inspiration for your next car karaoke session.
Comparing Customer Satisfaction Ratings
Not all car insurance companies are created equal, just like not all pizza toppings are a match made in heaven (looking at you, pineapple). Compare customer satisfaction ratings to see how Confused.com stacks up against the competition. Because let’s be real, customer satisfaction is key – just like finding that perfect parking spot at the mall.
Additional Services and Tools Available
Claims Assistance and Support
Got a fender bender to deal with? Fear not, Confused.com is here to help with claims assistance and support to make the process as smooth as that fancy olive oil you splurged on. Because navigating insurance claims should be less Game of Thrones and more Friends marathon.
Insurance Guides and Resources
Feeling like a lost puppy in the world of car insurance? Dive into Confused.com’s insurance guides and resources to get the lowdown on all things coverage-related. Think of it as your personal insurance guru, guiding you through the mysterious realm of deductibles and premiums.
Conclusion
In conclusion, navigating the world of car insurance doesn’t have to be as confusing as trying to assemble IKEA furniture without the instructions. With Confused.com’s user-friendly platform, savings tips, customer reviews, and handy tools, you’ll be cruising through the insurance maze like a pro. So buckle up, hit the road, and let Confused.com be your trusty co-pilot on the journey to stress-free car insurance.In conclusion, Confused.com stands out as a reliable and user-centric platform for car insurance shopping, offering valuable resources and tools to streamline the decision-making process.
Whether you are a first-time buyer or looking to switch providers, the convenience and transparency provided by Confused.com make it a top choice for insurance comparison. By leveraging the insights and services available on this platform, you can make informed decisions to protect your vehicle and drive with confidence. Trust in Confused.com for your car insurance needs and experience the convenience of finding the right coverage at the best possible price.
About Go.compare
Go.compare Car Insurance
Go.compare isn’t just your average insurance broker – it’s the cool kid on the block making insurance less of a headache. With a user-friendly platform and a plethora of options, Go.compare lets you tailor your policy to fit your needs like a bespoke suit. Say goodbye to cookie-cutter insurance plans and hello to personalized coverage that actually makes sense.
Background and History of Go.compare
Ever wonder how Go.compare became the superhero of the insurance world? Founded by a group of insurance gurus tired of the industry’s mumbo jumbo, Go.compare set out to simplify the process of finding the right coverage. With a sprinkle of innovation and a dash of customer-centricity, Go.compare has become the go-to for those seeking straightforward insurance solutions.
Features and Benefits of Go.compare Car Insurance
Why settle for mediocre car insurance when you can have the creme de la creme with Go.compare – ? Let’s unpack what sets Go.compare apart from the rest and why it’s the smart choice for savvy drivers.
Customized Policy Options
One size fits all? Not in Go.compare’s world. With a smorgasbord of policy options to choose from, you can mix and match coverage like a pro. Need extra protection for your prized vintage car? Go.compare’s got you covered. Want to keep it simple with just the basics? Go.compare has a plan for that too. It’s insurance made to order, just the way you like it.
Roadside Assistance and Additional Services
We’ve all been there – stranded on the side of the road with a flat tire or a dead battery. But fear not, Go.compare has your back with 24/7 roadside assistance to rescue you from car calamities. Need a rental car while yours is in the shop? Go.compare can hook you up. From towing to lockout services, Go.compare goes the extra mile to ensure you’re never left high and dry.
How to Compare Car Insurance with Go.compare
Ready to take the plunge and find the perfect car insurance plan on Go.compare? Buckle up as we walk you through the simple steps to navigate the comparison tool like a pro and demystify the factors that influence those insurance quotes.
Step-by-Step Guide to Using the Comparison Tool
Comparing car insurance quotes doesn’t have to feel like deciphering hieroglyphics. With Go.compare’s user-friendly comparison tool, you can easily compare policies, prices, and coverage options in a few clicks. We’ll break it down step by step so you can find the best deal without breaking a sweat.
Understanding Factors that Affect Insurance Quotes
Why does your neighbor pay less for car insurance than you do? It’s not magic – it’s all about understanding the factors that insurers consider when calculating your premiums. From your driving record to the type of vehicle you drive, we’ll decode the mysteries behind insurance quotes and help you navigate the sea of variables like a seasoned captain.
Understanding Coverage Options offered by Go.compare
When it comes to protecting your precious wheels, Go.compare doesn’t skimp on coverage options. Let’s explore the types of plans available and discover the add-ons that can take your coverage from good to great.
Types of Coverage Plans Available
From liability insurance to comprehensive coverage, Go.compare offers a buffet of options to suit every driver’s needs. Whether you’re looking for basic protection or full-blown coverage for all eventualities, Go.compare has a plan that fits like a glove. We’ll walk you through the various types of coverage plans so you can make an informed decision that gives you peace of mind on the road.
Add-Ons and Enhancements for Comprehensive Coverage
Want to beef up your insurance coverage without breaking the bank? Go.compare’s add-ons and enhancements let you tailor your policy to include perks like windshield repair, rental car reimbursement, and even coverage for furry passengers. With these extras, you can drive with confidence knowing you’re fully protected against life’s unexpected twists and turns.
Tips for Saving Money on Car Insurance with Go.compare
Bundling Discounts and Special Offers
When it comes to saving money on car insurance, bundling is your best friend. Like a buy-one-get-one-free deal for your insurance needs, bundling your car insurance with other types, like home or renters insurance, can lead to substantial savings. Keep an eye out for special offers and discounts that Go.compare might have up their sleeve to maximize your savings even further.
Driving Habits and Policy Adjustments for Savings
Want to save some extra cash? Consider tweaking your driving habits. Being a safe driver not only benefits your safety but can also lead to lower insurance premiums. Additionally, adjusting your policy to reflect changes in your lifestyle or driving patterns can help you save money. Have a chat with Go.compare to see if there are any adjustments you can make to your policy to score some savings.
Customer Reviews and Satisfaction with Go.compare Car Insurance
Feedback from Real Customers
What do real customers have to say about their experiences with Go.compare? Customer feedback is like the word-of-mouth of the digital age. Check out what others are saying to get a feel for the overall satisfaction levels with Go.compare’s car insurance offerings.
Ratings and Testimonials on Service Experience
How does Go.compare measure up when it comes to customer service? Ratings and testimonials can give you insights into the service experience you can expect. Whether it’s prompt responses to queries or seamless claims processes, hearing about others’ experiences can help you make an informed decision.
The Claim Process with Go.compare Car Insurance
Initiating a Claim and Documentation Requirements
When the unexpected happens, you want a smooth and hassle-free claim process. Find out how to initiate a claim with Go.compare and what documentation might be required. Being prepared can make a world of difference when it comes to navigating the claims process.
Claims Handling and Customer Support Experience
How does Go.compare handle claims, and what is the customer support experience like during the process? From filing a claim to getting it resolved, the efficiency and supportiveness of the claims handling team can significantly impact your overall experience with your car insurance provider.
Final Thoughts on Using Go.compare for Car Insurance
In conclusion, using Go.compare for your car insurance needs can be a smart choice for those looking to save money without compromising on quality coverage. By leveraging bundling discounts, adjusting your policy smartly, and understanding the claim process, you can make the most of your experience with Go.compare. Remember to consider customer reviews and feedback to gauge the satisfaction levels of existing customers before making your decision.
With Go.compare, protecting your car and your wallet can go hand in hand.In conclusion, Go.compare Car Insurance emerges as a user-friendly and efficient resource for individuals seeking reliable and affordable car insurance coverage. With its easy-to-use comparison tools, diverse coverage options, and a commitment to customer satisfaction, Go.compare proves to be a valuable ally in navigating the complexities of the insurance market. By incorporating the tips shared in this article and leveraging the services offered by Go.compare, individuals can make informed decisions and secure the right car insurance policy to protect themselves on the road.
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What do I need to get car insurance quotes?
It’s quick and easy to compare car insurance quotes. We just need a few details from you:
Your details and your licence
Including your job, age and your address, plus the same for named drivers. We’ll also need to know the type of licence you have, how long you’ve had it, previous claims and driving history
No-claims discount (NCD) history
Details of your no-claims discount will help lower the prices you get. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour
Details of the car
The car’s registration number if you know it. If not, the make and model is fine. We’ll also need the car’s age and any modifications you’ve made
What you’ll use the car for
Social, commuting or business, and how many miles you’ll do in a year. You’ll also need to say where you’ll keep the car at night for security
Which level of cover should I choose?
There are three types of cover to choose from when you buy car insurance. These are:
Third-party, fire and theft
Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property
Average annual cost: £9724
Third-party only
Third-party cover is the minimum legal requirement. Despite only covering injuries and property damage, it’s usually more expensive than fully-comp cover
Average annual cost: £7654
4Based on annual price of car insurance policies with one driver holding a full UK driving licence for at least 12 months. MoneySuperMarket data, collected between October 2023 and December 2023
What types of car insurance policy can I get?
As well as a standard car insurance policy, we can help you find specialised car insurance policies for some specific circumstances:
Business use
Standard car insurance won’t cover business use, so you need a special policy for work vehicles
Short term cover
This lets you take out temporary car insurance from anywhere between a day and a few months
Multiple cars
This car insurance type gives you the option of adding more than one car to your policy
Telematics
Get a chance to bring your premiums down by installing a black box, which monitors your driving habits.
Learner drivers
If you’re learning in your own car, learner driver insurance provides cover while you’re practising to pass your test
Over 50s
Some providers offer tailored car insurance for drivers over 50, so it’s worth comparing the whole market
New drivers
All drivers, including newly qualified drivers, are required to have car insurance when driving on the road
How much does car insurance cost?
The average cost of comprehensive car insurance is £6512 per year, but the price of your policy can change based on your risk of making a claim.
If you are statistically more likely to make an expensive car insurance claim, then your insurance will be more expensive.
Age is one factor that has a clear impact on the cost of car insurance. Younger drivers without driving experience will typically have to pay more for insurance, whereas older drivers with a good driving record will have much cheaper premiums.
Age | Average Annual Price3 |
|---|---|
17-19 | £1,268.54 |
30-39 | £872.41 |
50-64 | £483.40 |
2Based on annual price of sold car insurance policies with one driver holding a full UK driving licence for at least 12 months. MoneySuperMarket data, collected between October 2023 and December 2023
3Based on annual price of sold comprehensive car insurance policies. MoneySuperMarket data, collected between October 2023 and December 2023
Why is car insurance so expensive?
UK car insurance premiums hit a record high in 2023 according to ABIand their motor insurance premium tracker. These price increases are due to a number of factors, including:
An increase in car insurance claims
Increased energy costs
Increased costs for replacement parts and repairs
Increased labour costs
For a full overview of why the cost of car insurance has gone up, check out our article ‘Why is car insurance suddenly so expensive?’
Do I need car insurance?
Car insurance is a legal requirement for drivers in the UK, and you must be covered if you use your car on the roads or in public places. If you’re involved in an accident, the minimum level of cover provides financial protection to others where another vehicle or property might be damaged or if anyone is injured. Third-party insurance is the minimum requirement in the UK.
However, if you’re involved in an accident and want to cover your own costs, then you’ll need a higher level of cover, such as fully comprehensive insurance.
Unless your car is registered as off the road with a Statutory Off Road Notice (SORN), or in the process of being bought or sold, you could be faced with a fine if you don’t insure your vehicle with at least a third-party policy.
How can I get cheaper car insurance?
There are different ways to lower your car insurance premiums, and get a cheaper quote:
Cut out the extra cover
Add-ons like breakdown cover and car keys cover cost extra to add to your policy. To save money, consider cutting out optional extras that may be cheaper to pay for out of pocket
Increase your excess
One of the simplest ways to reduce your insurance cost is to increase your voluntary excess. Be careful not to increase your excess so much that you can’t afford it
Consider telematics
Telematics policies, sometimes known as black box car insurance, give younger and inexperienced drivers a chance to earn lower premiums by showing that they have sensible driving habits
Avoid auto-renewing
Your car insurance policy is likely to be renewed automatically when the term ends, but you may be able to find a cheaper deal if you compare quotes from other providers online
Pay annually
Paying an annual lump sum for your car insurance policy may seem like a big initial outlay, but it it typically costs less overall than if you were to pay monthly instalments
Park your car off the road
You can reduce the cost of car insurance by parking your car off the road when you’re not using it. The best place to keep it overnight to reduce your insurance cost would be in a locked garage
Build a no-claims discount
If you can avoid making claims for smaller things by paying for the repairs or replacements yourself, you can earn a discount on your premiums. The longer you go without claiming, the bigger the discount should be
Avoid modifications
Modifying your car can often mean more expensive repair costs, or needing spare parts that are harder to get, so you’ll likely pay more to cover these
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Frequently Asked Questions
Please use the Frequently Asked Questions section below to view common queries and helpful information about Car Insurance.options to suit every lifestyle and budget, finding the right policy has never been easier.
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How does travel insurance work?
Buying travel insurance gives you peace of mind and protects you if something goes wrong while you’re on holiday. If you do have a problem while you’re away, the first step is to contact your insurance provider. Most companies have dedicated claims lines, and you may also be able to file a claim online if it’s easier for you. You’ll normally need to pay for any costs upfront before claiming them back. So, keep any documents, such as hospital bills, you need to support your claim.
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What does excess mean in travel insurance?
Your insurance excess is the amount you will need to pay when making a claim. If you have a policy with a £150 excess, for example, then you claim for a baggage loss of £800, you would pay the £150 and the remaining £650 would be paid out by your insurer.
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Can I get travel insurance for the UK?
You still need travel insurance if you’re staying in the UK for your next holiday (staycation). Although the NHS will cover the cost of any medical treatment, travel insurance can pay to transfer you to a hospital closer to home. Travel insurance will also bring you or a family member home if you have missed your flights, trains, coach or your family have to drive home separately.
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When is it too late to buy travel insurance?
Booking a last-minute travel insurance policy is still possible, as you can usually still buy you're travel insurance up to the date of your departure. However, different policies will have different rules on how late you can book and booking last minute means you may miss out on cover if your trip is cancelled. It is always recommended to buy your travel insurance at the same time you book your trip.
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How long will it take to get my money?
With some lenders, you can get your money on the same day as your application if you already hold an account with them. But you can normally expect to get your money within a week. The quote will be valid for 30 days, so it gives you time to look for your dream car if you haven't already found it. Once you have decided, you'll need to provide the details of the car and of your approved dealer. The money will be transferred to the dealer and you'll receive the deeds to the car when you collect it.
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What can I do if I need to borrow more than they’ll lend?
If you need to borrow more than the lender is willing to offer you, or you need more than the typical £25,000 limit, consider a secured loan. You can borrow £100,000 or even more with a secured loan, but you’ll need to offer something of value as collateral, like your home. Think carefully before taking out this type of loan. If you miss repayments, the lender can seize the asset you put up as collateral to repay what you owe.
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What happens if I can’t repay my loan?
If you’re struggling to repay your loan, contact your lender as soon as possible. They may be able to support you with managing your repayments. Alternatively, contact a debt advice service. They’ll be able to help you organise a debt repayment plan with your lender. If you can’t reach a compromise with your lender, you’ll probably be charged penalty fees for partial, late or missed repayments.
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Can I repay my loan early?
You can pay off your personal loan early, but you might have to pay an early repayment charge (ERC). Early repayment charges vary, but you can usually expect to pay the equivalent of one to two months’ interest.
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What will happen if UK interest rates change?
If your personal loan has a fixed interest rate, it won’t be affected if UK interest rates change. Your monthly repayments should remain the same, regardless of what happens to the Bank of England base rate.
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How long will it take to get the money?
Every lender differs. Some can get you the funds same day. However, it's usual for the money to come through in about three to five days. You can then arrange with the dealer to pick up your new car.
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Can I extend my travel insurance?
Some insurers may allow you to extend your policy while you're away, provided your trip is within the 'length of trip' limit on your policy, while others may require you to take out a new policy. If you plan to take a long trip or visit several destinations in one holiday, you may need long stay travel insurance. This type of policy will cover long trips and backpacking holidays.
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Can I get travel insurance if I’m pregnant?
Absolutely. Pregnancy isn’t considered a pre-existing condition, so travel insurance when pregnant shouldn’t cost you any more than usual. But you won’t be covered if you fly against medical advice and might not be covered if you give birth abroad.
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Can travel insurance be extended?
Many providers will let you extend your cover if you decide to make your holiday last a little longer. You should let your provider know as soon as possible and avoid letting your cover expire, as this might make an extension more complicated.
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