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Once you've reviewed the choices, pick the best car insurance deal for you and apply.
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*51% of customers received a quote of £495.61 or less for Comprehensive Insurance between January and March 2021, when using our journey via Confused.com The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
To drive legally in the UK you have to have car insurance¹.
There are no exceptions to this - and automated cameras on police cars will check your number plate against a national database and issue fines to anyone they catch without the right cover in place.
The legal minimum cover is known as "third party" - although that only offer the bare legal amount and won't cover any damage to your own car. It's there to ensure anyone or anything you hit in an accident is protected financially at the very least.
You can take out more extensive cover - offering protection from theft, fire and to cover your car for damage or breakdowns too - but this is a personal choice rather than a legal requirement.
If you don't plan on driving your car, but are still parked on public roads, you need to inform the authorities using a a statutory off road notice (SORN) to make sure you aren't fined.
There are three basic levels of car insurance that vary in price and what they offer drivers. Think carefully about what you need and what car insurance is best for you before you go ahead.
Third party cover is the most basic level of car insurance. It just covers you for any compensation you might have to pay for injury to others and for damage to anyone else’s property. It’s a minimum legal requirement for all drivers in the UK to have this insurance.
That means any damage to your car, injuries to you as a driver, theft or your car and breakdowns will not be covered by your insurance and you'll have to pay for them yourself.
Third party, fire and theft car insurance covers other parties involved in an accident with you in the same way third-party only cover. It also gives you protection if your vehicle is stolen or damaged by fire.
Remember that it doesn’t pay out for any damage to your own vehicle if you had an accident. That means you'll need to cover the repair costs of your the car yourself in the event of an accident that's not another driver's fault.
Comprehensive car insurance – sometimes called fully comprehensive, or just fully comp – covers you, your car, passengers and property as well as damage to third parties. And it also protects your car against vandalism and theft.
It's also frequently the cheapest car insurance cover option - as insurers see people willing to fully protect their car as less risky than people those taking out third party only and third party, fire and theft damage.
As well as third party, third party fire and theft and fully comprehensive cover, there are several different types of car insurance that you might like to think about.
These generally offer comprehensive cover - but are designed to suit people with slightly different needs.
Multi car insurance is a policy that covers two or more cars in your household
Black box car insurance monitors your driving using a telematics box which is fitted to your car and sends information about your driving to the insurer. The better you drive, the less you pay
Learner car insurance is the car insurance UK provisional licence holders need to have when practicing driving in any car other than a registered instructor’s vehicle
Taxi insurance is a motor insurance policy to cover cars used for commercial hire
Temporary car insurance covers you for short periods of time – just a few days or weeks – when driving a borrowed vehicle
European car insurance is needed in certain countries. But you can drive in most European countries on your normal UK car insurance, providing your comprehensive plan lists this cover as standard
Business car insurance is for people who use their car for business reasons, such as driving to meetings on behalf of their employer
Classic car insurance is for classic car owners. Classic cars are usually worth more money, and cost more to repair, than modern cars. For that reason, they sometimes need a special classic car insurance policy
Car insurance for over 50s is usually cheaper because older drivers have lots of experience. Some insurers sell special over 50s policies
The average price paid for comprehensive car insurance in 2020 was £465².
However, car insurance can cost well over £1,000 for drivers providers think are more likely to make a claim.
To try and work out how risky you are to cover, insurers asses a string of factors about you.
Each insurer has a different set of criteria based on its experience of what its customers have made claims for in the past and how expensive they were - but your name, your gender and your religion are never included in this thanks to discrimination laws.
While each insurer uses a different model to work out quotes, there are some factors used by almost everyone.
Your annual mileage – people who drive a lot are statistically more likely to have an accident
Your occupation – some jobs are seen as riskier than others: professional footballers come at the top of this list, but lawyers and journalists are also among those seen at higher risk of making a claim
Your car – risk factors on your car are based on what it's worth and the insurance group it’s in - which assess its performance, how easy it is to repair, cost of parts or vehicle replacement
Your address – your car spends a lot of time parked at home, meaning if you're in a high crime or flood risk area you'll likely pay more
Your age – young drivers pay more than older motorists
Your claims history – this will affect your no claims discount and, therefore your premium at renewal
Your driving history – if you have previous driving convictions, endorsements or points on your driving licence you may have to pay a higher premium
Your criminal history – if you have non-driving related convictions you’re also seen as higher risk
Your car usage – do oud drive for more than just social, domestic and pleasure (SDP)? Commuting to work or business use bump up the costs
Adding another driver to your policy – if you add an experienced driver with no claims, it can reduce the price of your policy, but adding your newly-qualified teenager will bump the premium higher
Where you park - cars left on the street are more likely to be hit by other drivers while parked, but there are also quite a few claims resulting from people scraping their car driving in and out of garages. To save money safest to check which option is cheapest when you apply for insurance
When you’re comparing car insurance quotes to find the best cover for your needs, there three basic ways to get a cheaper quote.
The price of your car insurance is based on how much of a risk you pose to claiming on your policy. You can reduce this risk in a number of ways, including:
Fitting an approved alarm or parking your vehicle off street
Changing what you use the car for, or driving fewer miles
Taking an advanced driving course
Adding a more experienced motorist as a named driver can lower the price too, as insurers assume they will spend some time behind the wheel
Car insurers usually give you a better deal if you pay your insurance annually, rather than in monthly instalments.
Paying more of any claim yourself - that is to say having a higher policy excess - can also cut the cost of your premiums.
Take a look at what's included in your cover too - if there are any optional extras you can live without, or if your car isn't worth much you could even save money sometimes by moving from comprehensive cover to third-party only. But be very careful if you're thinking about this as it could leave you with no car and no way to pay for repairs or a new one.
If you compare car insurance quotes you’ll be able to find the best deal possible. But don’t cut corners to get cheap insurance.
You can also ask for a discount from your current provider – haggling doesn’t hurt. If you find a quote with a different insurer, ask your current provider to beat or match the offer.
Don’t forget that it’s important to give accurate information to your insurer. It could be tempting to say someone else is the main driver, to lie about your driving history or to underestimate your mileage to reduce the price. But it’s never a good idea. Lying could make your insurance invalid, and you could be prosecuted.
You can tailor your car insurance policy, and get better cover, by paying to add extra benefits. Such extras might include:
Legal cover – here’s how to work out if you need it
Cover for lost or stolen keys
No claims protection
Cover for driving abroad
Windscreen repair and replacement
See the full list of car insurance extras that could be worth adding to your policy.
Make sure to check your car insurance quote, however, as some of these may be included as standard. If not, think about whether it’s worth spending a bit more to add them.
To get car insurance quotes, you'll need to fill out a form - this can be done online, over the phone and in person too.
If you plan to compare car insurance quotes from a few providers, it can make sense to use a comparison service to save time - although not every insurer will be included. As different providers use different risk models to work out prices, casting your net as wide as possible to find the best car insurance for you makes sense.
The information you'll need to compare car insurance quotes is:
"No matter expensive your quote, don't ever be tempted to change the form entries to get a cheaper car insurance policy by stretching the truth about what you really do for work or who the main driver is.
"Not only is it illegal to lie on the form, but if you're caught out the insurance provider could refuse to pay out on a claim - leaving you with a bill for potentially tens of thousands of pounds as well as a possible criminal record."
No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.
Paying annually in one go will usually work out cheaper because you will be charged interest of up to 30% when you pay monthly.
No, your current provider will not usually offer the cheapest deal so shop around and find a new policy instead of renewing.
Yes, you can use our quote service to find cheap cover for your imported car. You can select whether your car is a grey or parallel import.
If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.
Yes, if you buy a new car you will need to tell your insurer so they can update your policy. The cost of your cover will probably change.
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By comparing car insurance, UK car owners could save money on their policy. The best value car insurance will offer the cover at an affordable price. Choose a cover plan from the best UK car insurance companies and see the online discounts they offer.
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Last updated: 13 August 2021