Car insurance

Compare cheap quotes & you could save up to £276* on your car insurance

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Takes about 5 mins

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How to claim

    Shell logo
    £20 fuel
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    £20 to spend
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    £20 to spend
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    £20 to spend

Single annual policy. Shell Go+ account required. Shell Go+ not redeemable in Northern Ireland. T&Cs apply.

*Based on data provided by Consumer Intelligence Ltd, (August '20). 51% of car insurance customers could save £276.03

What details do I need to compare quotes?

It takes about 5 minutes to get a car insurance quote and if you’ve used us before, it’s even quicker than that. Having the following details at hand can speed things up:

Details of the car

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The car's number plate is useful, but not essential. Please declare any modifications.

No-claims bonus (NCB)

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Details of your NCB in years. You can request this from your current insurer.

Details of any other drivers

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You’ll need other drivers’ names and licence details to add them to any policy.

Driving licence & convictions

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Type of licence; how long you've had it; details of any points or disqualifications from the last 5 years.

Previous claims or accidents

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Date, claim cost and accident type for any accidents or claims in the last 5 years.

What are the different types of car insurance available?

A standard policy will usually cover a single car for 12 months. But, depending on your needs, other types are available. These include:


Icon of two cars

Insure all the cars at your address and get a discount.

Find out more


Icon of a car with a clock

Short-term cover from one to 84 days.

Find out more


Icon of a car with a learner plate

Cover for those learning to drive in their own or someone else's car.

Find out more

Black box / telematics

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Uses an app on your phone or box installed in your car to monitor your driving. Information such as when you drive, your speed, braking and handling is captured and shared with the insurance company to base policy prices on.

Find out more

Classic car

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Cover specifically designed for owners of classic cars. For insurance purposes, a classic car can be any car that's older than 15 years.

Find out more


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If you use your car for more than just domestic use, including business driving away from your normal place of work, you'll need a business policy.

Find out more

What level of cover should I choose?

There are three main levels of car insurance to choose from but it's worth comparing prices as the lowest level isn't always the cheapest option.

Third-party only Icon of a piece of paper with three people

The lowest level of cover available. It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It doesn't cover your car against repair or replacement.

Third-party, fire and theft Icon of a piece of paper with three people

Offers the same level of cover as third-party, but also covers your car for repair or replacement if it's stolen or damaged by fire. Find out more.

Comprehensive Icon representing a checklist on a page

Comprehensive car insurance gives you the most protection, covering you and your car as well as other people and their property. Although it offers the most protection, comprehensive insurance can sometimes be the cheapest of the car insurance policy types.  

We've covered the three levels of cover in more detail in our guide to car insurance policy types.

Compare car insurance quotes with

We are the UK’s first and longest-running insurance comparison website. We search hundreds of prices from a range of trusted insurance companies to find you the best deal. Getting you the best cover at the best price is our priority. 

By auto-renewing with your current insurer, you could lose out on hundreds of pounds in savings. Shopping around is the easiest way to save. Our beat-your-renewal guarantee helps you to avoid annual price increases. We guarantee to beat your renewal price, and if we don’t, we’ll pay the difference, plus £20.

If that’s not enough, you can also choose a free gift every time you buy a car or home insurance policy. Rewards is our way of saying thank you.

"I've saved £70 off my renewal thanks to Simple and fast. No problems at all."
Carol - customer 5 gold stars
of customers would recommend after buying car insurance

We compare 116 car insurance companies to save you money.

How can I get cheap car insurance?

With the average comprehensive policy now costing £770 a year**, it's more important than ever to shop around and compare prices. Even while you compare, there are things you can change that may help you get cheaper insurance: blue car
Consider the car you drive Light blue icon of a car with dark blue wheels

More powerful cars tend to have more expensive accidents, can be pricier to repair and fall into higher insurance groups. Older cars with more miles on the clock, smaller engines and lower price tags usually fall into lower insurance groups.

Increase your voluntary excess Icon representing a driving licence

Prices may change if you're willing to a pay a little more towards any claims. Make sure to also consider any compulsory excess listed on a policy, as you'll need to have funds available to cover the total policy excess.

Add a named driver Icon of two people

Adding an experienced driver to your policy can lower prices. You should always list the person who drives the car most often as the main driver, and any occasional drivers as additional.

Extra security Icon of a question mark

Increasing the security of your car above the standard manufacturer level can help, but even basics like parking off-road can affect prices.

No-claims bonus Icon of a piece of paper with writing on it

Building up a no-claims bonus can help shave pounds off your premium.

Telematics Icon representing black box insurance

If you're a young or inexperienced driver, black box policies can make insurance more affordable.

While getting a good price is important, it's also worth making sure the policy you choose has the right level of cover you need to protect you and your car. This might mean cheapest isn't always the best choice for you.

Car insurance policy features (add-ons)

Once you’ve got your quote, it’s also possible to include a selection of add-ons or extras for added peace of mind: 

Motor legal protection could help you recover certain uninsured losses that aren’t covered by your own insurance policy, if you’re involved in a road accident that wasn’t your fault. It’s also sometimes known as legal cover.

Breakdown cover could help you get back on the road as quick as possible. There are a range of levels to choose from including local recovery, national recovery and European cover.

Courtesy car can keep you on the road while your car gets repaired after an accident.

Windscreen cover for repair or replacement of your windscreen following an accident.

Personal accident cover can provide extra cover against injury and/or death caused by an accident. It’s also sometimes known as personal accident cover.

You may find some insurers include these add-ons as standard on their policies, so check the small print to see exactly what’s covered. If there are any extras you’re particularly interested in, it’s easy to choose an add-on once you’ve got a quote. We’ll then recalculate your prices to show policies that include it.

Find out more about car-insurance add-ons.

A list of car insurance policy features 

How much does car insurance cost?

The average price for an annual comprehensive insurance policy is £770**. That’s a 5% drop in three months, and 2% over the past year.

That price is an average of lots of quotes. Your price will vary - it’s based on many factors like your age, where you live and the car you drive. Find out more about how car insurance is calculated

This is the first time that prices have dropped for more than a year. Now is the time to shop around and compare your best prices.

Interested in how prices for your region, age or gender have changed? Take a look at our price index calculator to get an estimated cost on your insurance.

**Price based on the Q2 2020 car insurance price index

Car insurance prices per quarter

Need more help?

Got more questions about car insurance? Our FAQs could help.

Is it cheaper to pay for car insurance annually or monthly?

Typically it's cheaper to pay for insurance in one go. Opting to pay monthly via direct debit could end up costing you over 16% extra (based on data - January 2020).

Do I need a credit check to get insurance quotes?

When you get quotes through, 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 on your credit history is if you choose to buy car insurance and pay for it monthly. This is because the monthly payment is paid over a contract period (usually 12 months) and the insurer needs to check you'll be able to cover the cost over the length of the policy.

How can I work out my annual mileage?

To get an estimate, if you know on average how many miles you drive a week, you can multiply that figure by 52 to give you a yearly figure.

Alternatively, if you've had your car for a year or more, you can compare the mileage on last year's MOT document to this year's. If you don't have the documents to hand, you can use the GOV.UK MOT checker to find the details.

What is voluntary excess?

This is the amount you'd have to pay in the event of a claim, in addition to any compulsory excesses set by the insurer.

Is my pickup classed as a car or a van?

If you have a pickup and you're looking for insurance, you'll need to go to our van insurance page to get a quote. This is because, generally, 4x4s are classified as cars and pickup trucks aren't. This is due to their longer wheel base and the fact they often exceed 3.5 tonnes.

I have previous no-claims-bonus (NCB) on a company car. Can I use it for my own car insurance?

The majority of insurance companies will only accept your NCB if you've earned it as a policy holder of a privately insured car.

When getting a quote, please enter your total NCB years as 0.

However, you may want to contact your chosen insurer before purchasing the policy to see if they're able to accept any NCB from a company car.

What if I can't find my job title?

If you can’t find your exact job title, it could be listed under a similar description instead. For example, if you’re an IT manager, try entering ‘computer’ or ‘manager’ to see if another option fits the bill.

If you’re worried that your choice doesn’t describe your job properly, don’t be. You’ll be able to confirm it with your insurer before you commit to buy.

Will the annual mileage I do affect the price of my quote?

Generally, yes – the price of your quote will change if you alter the annual mileage.

Your mileage is taken into account by your insurer when calculating your price. Make sure you’re as accurate as possible, as underestimating your mileage could invalidate a future claim.

Will my car insurance cover me in Europe?

If you have a standard 12-month car insurance policy in the UK, you’ll usually be covered to drive in some European countries for up to 30 days. The countries that are covered and the level of cover you have can vary depending on your insurer.

If you have comprehensive cover in the UK, it doesn’t mean you’ll automatically have the same cover while driving abroad. You may only have the most basic third-party cover when you’re driving in Europe.

Still got questions? Take a look at our full list of FAQs.

What our expert says:

"Don't settle for your insurer's renewal offer. Take just five minutes to compare prices with us and you could save £100s. If you're organised, you'll usually see your cheapest price about 3 weeks before your insurance is due."
Alex Kindred car insurance product manager signature
Alex Kindred, Car insurance Product Manager

What our car insurance customers think

"Quick and very easy site to use and came up with cheapest quotes when compared with others."
Wendy - August 2020
5 gold stars
"Easy to use and provided a good choice of quotes, far cheaper than my renewal quote saving me over £50.00 with the same level of cover."
Anthony - August 2020
5 gold stars
of customers would recommend after buying car insurance
After buying car insurance, 95% of customers would recommend us (based on 53900 respondents - as of 07/09/20). Read our reviews