Car insurance

Compare quotes and you could save up to £256*

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*Based on online independent research by Consumer Intelligence (October '19). 51% of car insurance customers could save £256.60

What details do I need to get a quote?

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 insurance provider.

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 level of cover should I choose?

When you get a quote, we'll ask you what kind of car insurance you're looking for. There are three main levels of cover to choose from:

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.

Comprehensive Icon representing a checklist on a page

Offers the most protection, covering you and your car, as well as other people and their property.

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

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:

Multi-car

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

Find out more

Temporary

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Short-term cover from one to 84 days.

Find out more

Learner

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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

Business

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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

Just three great reasons to use Confused.com

“Very easy to use, quick, straightforward and saved me £90 on my annual renewal. Very happy.”
Nuriye - Confused.com customer 5 gold stars
%
of customers would recommend Confused.com after buying car insurance

We compare 112 car insurance providers to save you money.

How can I get cheap car insurance?

With the average comprehensive policy now costing £783 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:

Confused.com 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.

Price trends for drivers - who's saving the most?

This October, we published the latest update to the ** Confused.com car insurance price index, our quarterly analysis of comprehensive insurance policy pricing in the UK.

The average quoted premium for an annual comprehensive insurance policy now stands at £783, an increase of 3% (£23) in the last 12 months.

This is the second consecutive quarter where prices are more expensive than the previous year, making it more important than ever 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.

Confused.com car insurance price index annual blue bar chart

Need more help?

Got questions about car insurance? Our FAQs could help.

How much does car insurance cost?

According to our latest car insurance price index, the average quoted premium for a comprehensive policy now stands at £760.

Is it cheaper to pay for 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 12% extra (based on Confused.com data - March 2018).

Do I need a credit check to get insurance quotes?

When you get quotes through Confused.com, 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 an insurance policy 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 insurance provider.

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 insurance?

The majority of insurance providers 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 provider before purchasing the policy to see if they're able to accept any NCB from a company car.

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

Confused.com is the UK's first and longest-running insurance comparison website.

  • We make buying cheap car insurance less confusing.
  • We search hundreds of prices from a range of trusted insurance providers to find you the best deal.
  • We help you avoid price increases at renewal time. On average Confused.com customers saved £256*.
  • Not only could you save money, but with our product ratings, money-saving tips and handy guides, finding the best cover for you is made easy.

If you decide to buy through us, we get a small fee from the provider. The most important point to note is that we don't make money at your expense. Comparing with us costs you nothing!

Why use Confused.com to compare car insurance quotes?

Confused.com is the UK’s first and longest-running insurance comparison website. We make buying car insurance less confusing. We search hundreds of prices from a range of trusted insurance providers to find you the best deal. Not only could you save up to £256*, but with our product ratings, money-saving tips and handy guides, finding the best cover for you is made easy.

It's quick & easy
to compare your cheapest prices.
5 minutes is all it takes!
We guarantee to beat your renewal
or we'll give you the difference, plus £20. 
Compare quotes
from up to 112 trusted brands such as AA, Admiral, Churchill, Tesco & many more.

What our car insurance customers think

Great service, makes it so easy to change to another company, also finding the cheapest price.
George - 18th October 2019
5 yellow stars
Seen the advert on TV so many times and after my renewal came in thought I should give a go. Glad I did, cheapest around and saved me nearly £200!!!!
Simone - 14th October 2019
5 yellow stars
%
of customers would recommend Confused.com after buying car insurance

Our motoring expert Amanda says:

"Don't settle for your insurer's renewal offer. Take just five minutes to compare prices with us and you could save £100s."
Amanda Stretton - Confused.com motoring editor
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Save even more

Quotes still too high? There are things you can try to make your insurance cheaper:

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Breakdown cover

Great deals on home breakdown, roadside recovery and even European cover.
After buying car insurance, 95% of Confused.com customers would recommend us (based on 34583 Reviews.co.uk respondents - as of 21/10/19). Read our reviews