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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January '24). 51% of Confused.com car insurance customers could save £524.68.
1Correct as of March, 2024.

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"Getting a car insurance quote only takes a few minutes, and if you've used us before it's even quicker. Just log in and check your details are accurate and up to date. Compare and get covered in 3 steps:"

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We work with 163 trusted insurance companies1, giving you plenty of choice.

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Why use Confused.com?

  • We revolutionised the way people buy their car insurance. In 2002 we created the first insurance price comparison site, saving millions of customers time and money year after year.
  • We work closely with our insurance partners to negotiate the best deals and exclusive discounts. Look out for our 'special offers' which are highlighted in the prices page when you get a quote.
  • We're FCA regulated, just like the 163 car insurance companies1 we work with. This means that we follow their strict operational guidelines to do things right for you. So when you use our site, you know you're in safe hands.
  • We'll remind you next year when your renewal is coming up. This gives you plenty of time to find your best price.

Our customers say:

"Best price on the market for my needs. Many other sites were not even close to the price I got."

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Why are car insurance costs going up?

"When dealing with claims, insurers are wrestling with increased costs for parts and labour due to inflation. Supply chain problems stemming from the pandemic also continue to cause delays in car repairs, this adds to the cost of claims. As if that wasn't enough, modern cars with advanced technology are more expensive to repair or replace. So overall, the combination of higher claims costs, supply chain issues, and general inflation is pushing up car insurance prices."

A report from Association of British Insurers (ABI) backs this up. It shows that insurers paid out over £2.5 billion in motor insurance claims in Q2 of 2023. This is an 18% increase on Q2 2022 and the highest quarterly figure since the ABI started collecting data in 2013.

Louise Thomas, Motor Insurance Expert at Confused.com
Motor Insurance Expert Confused.com logo

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What level of cover do I need?

Understanding your cover options can help you make an informed choice on a policy that suits your needs rather than just focusing on the cheapest price.

There are 3 levels of cover you can choose from:

  • Third party car insurance is the minimum level of cover required by law and is the most basic available. It protects you if an accident involving your car causes injuries to someone or damages their property. It doesn’t include cover for damage to your own car.
  • Third-party fire & theft covers you for everything included with third-party insurance, plus damage to your vehicle caused by fire or theft.
  • Comprehensive car insurance is also known as fully comp. It gives extensive protection for you and your car if you’re involved in an accident, and is often the most affordable choice.

After choosing your level of cover, you need to select your 'class of use' to let insurers know how you plan to use your car.

  • Social only lets you use your car for things like shopping trips or visiting family
  • Social and commuting lets you use your car for social use but also for commuting to and from a single place of work. This is the most common choice for Confused.com customers.
  • Business use includes everything social and commuting does but also covers you to use your car for work.

When you get a car insurance quote we'll ask you to choose a level of cover and class of use. If you'd like to compare different levels and classes, you can edit your quote to see how it impacts your prices.

How much does car insurance cost?

The average price of a comprehensive car insurance policy in the UK is £995+. That's the highest prices have been on record and a huge £366 increase in the last 12 months.

The price you pay for your car insurance policy depends on your personal circumstances. To get an estimate of the average price in your area for your age group, you can use our car insurance calculator.

Despite the increasing prices, there are still measures you can take to secure more affordable car insurance quotes. We guarantee savings can be made. We’re so certain that we offer a guarantee to beat your renewal, or pay you the difference, plus £20(3).

+Confused.com Q4 2023 price index data.
++Confused.com data October - December 2023.

3Single annual policy only. T&Cs apply. Must be a like-for-like policy.

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How do I get cheap car insurance quotes?

Comparing quotes is the easiest way to find savings on your car insurance. Here’s our top tips to help you save on your quotes:

  • Amend your mileage to accurately reflect the miles you cover annually. Changing your mileage from a max of 5,000 to a max of 10,000 can save you up to £194(2). The average yearly mileage is around 6,500 miles(2).
  • Buy your policy early to get the cheapest price. The later you leave it, the more you pay for your car insurance. In our experience, you’ll see the best car insurance prices around 3 weeks before your renewal2(2).
  • Tell us your driving licence number. Providing your licence number often results in cheaper prices from insurers. They can use this number to confirm your licence details and conviction data with the DVLA, making you a safer risk.

For more practical advice, take a look at our tips on how to get cheap car insurance.

  • Pay for your car insurance annually, this can save you up to 20%(2) compared with monthly instalments due to interest rates charged by the insurer.
  • Think about your named drivers. Depending on the age, experience and claims history of your named drivers, the price of your quotes can go up or down. By adding a named driver to your policy you can save up to £210(2).
  • Park your car in a secure location - Your car's security and where it's parked has an impact on your prices. For example, parking on your driveway rather than a road could reduce your policy by up to £317 (2).

(2)Based on Confused.com data, October - December 2023.

Optional extras to enhance your cover

Before we show you your quotes, you can tell us which of the 5 optional extras you need. Be mindful to only choose the cover you think will benefit you as they come at an additional cost.

  • Legal cover - This offers financial protection against legal fees if you’re involved in an accident that’s not your fault. This includes things like personal injury, excess recovery and loss of earnings.
  • Courtesy car - A car is supplied to you while yours is being repaired after you’ve made a claim.
  • Breakdown cover - Provides you with assistance at the roadside or your home if your car breaks down. The levels of cover available vary between insurers.
  • Windscreen cover - Covers damage to your car’s windscreen and other windows, repairs to chips and cracks as well as full replacements. An excess may apply.
  • Personal accident cover - Provides you or your family with financial support if you’re injured or die in an accident. It also covers any passengers in your car at the time of an accident.

It's important to strike a balance between the cost of your car insurance and the cover you need. You don't want to pass on extras such as breakdown cover, if that’s something you think you’ll benefit from.

Car insurance and the legal requirements

Car insurance is mandatory in the UK if you plan on driving on a road or in a public place. It plays a crucial role in ensuring safety for all road users. All motorists must have the minimum legal amount of cover to drive on public roads - this offers protection for financial losses and cover for injuries caused by road traffic accidents.

Driving without insurance puts others at risk. Also, if you're caught by the police without valid cover, it can lead to a fine and penalty points. It doesn't end there though - the police have the power to seize and destroy an uninsured vehicle. And if your case goes to court you could get an unlimited fine and be disqualified for driving.

Don't think it'll happen to you? According to the Motor Insurers' Bureau (MIB), 123,429 uninsured vehicles were seized in 2022. That's one every 4 minutes.

Expert help and support

All the information you see on our website is reviewed by our expert panel which is made up of experienced professionals working in the insurance and personal finance industry. Our dedicated insurance specialists are here to help you throughout your journey.

If you need help or have any unanswered questions, you can fill out our online form. Our customer support team is here to help you.

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Our office address is 2nd Floor, Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, United Kingdom.

Find out more about who we are, how we make money from insurance and more on our about us page.

Insurance guides to help you

Car insurance classes of use explained

Social, SDP or fully comp? Car insurance policies come in a variety of flavours. Which one gives you the best blend of protection?

What happens if I don't get car insurance?

Making sure you're insured to drive doesn't just protect you, it's also a legal requirement.

How to claim on your car insurance

You buy car insurance never wanting to have an accident, but if it does happen here's what you will need to do.

How to get replacement car keys if yours are lost

Lost your car keys? Here's how you get a replacement set.

See more guides

Frequently asked questions

How do I work out my car's value?

When you get a quote, we'll estimate the market value of your car based on averages of the make, model, and age. If you want a more accurate idea of your car's value you can use our free car valuation tool.

Do insurance quotes affect my credit score?

When you get quotes through our site, you'll usually see 'soft searches' on your credit report. These are nothing to worry about. They're only visible to you and don't affect your credit rating. A 'soft search' is usually just used to confirm your identity.

The only time you'll see a 'hard' search is if you choose to pay for your car insurance monthly. This is because the insurer needs to check you can cover the payments of the contract, usually over 12 months.

What is a no-claims bonus (NCB)?

Each year you drive without making a claim on your car insurance, insurers reward you with a year of no-claims bonus (NCB). The more NCB you have, the bigger the discount you get, as you're seen as lower-risk and less likely to claim in the future. Some insurers might ask you for proof of your NCB - you should be able to get this from your previous or current insurer.

Can I drive someone else's car?

You might be able to drive someone else's car if you have a comprehensive car insurance policy. Check your certificate of motor insurance which should tell you whether your policy has the Driving Other Cars (DOC) feature. Not all policies offer it.

Even if you have it, it only entitles you to third-party cover on someone else's car and should only be used in emergencies. If you want to be fully covered for a short time, consider a temporary car insurance policy, or get yourself added as a named driver.

Can I add someone to an existing car insurance policy?

Yes, you can add named drivers to your car insurance policy. To add another driver, you'll need their:

  • Age
  • Occupation
  • Details of any accidents and claims
  • Details of any motoring convictions

Depending on the driver, this might raise or lower your car insurance costs.

It's important to remember that the person who does the bulk of the driving should be listed as the main driver. And any named drivers only use the car occasionally.

What are the FCA insurance renewal guidelines and how do they affect me?

In an effort to treat customers fairly, the Financial Conduct Authority (FCA) has created rules that stop insurance companies from penalising loyal customers. This was a practice known as price walking.

The rules state that insurers are required to offer customers who renew their policy a price that's not higher than if they were a new customer buying in the same way. The FCA believes this should save customers £4.2 billion over the next decade.

This doesn't mean that your renewal price is going to be less than last year. A range of factors come into how car insurance prices are calculated, but you shouldn't be penalised by staying with your existing insurer.

But there still might be savings to be had. Even if your price is the same or a bit cheaper than last year, it's always worth shopping around.

Page last reviewed: 07 February 2024

Reviewed by: Louise Thomas