Car insurance

Compare cheap car insurance
quotes & you could save up to £290*

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Based on online independent research by Consumer Intelligence (June '17). 50% of car insurance customers could save £290.38.

What details do I need to get a car insurance quote?


Details of the car

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The car's number plate is useful, but not essential to get a quote. 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.

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

What kind of insurance should I get? When you get a quote, we'll ask you what kind of insurance you're looking for.

There are three main levels of cover to choose from:

  • Third-party is 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 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 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 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: Insure all the cars at your address and get a discount.
  • Temporary: Short-term cover from one to 28 days.
  • Black box/telematics: 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.
  • Learner: Cover for those learning to drive in their own or someone else's car.
  • Classic car: Cover specifically designed for owners of classic cars. For insurance purposes, a classic car can be any car that's older than 15 years.
  • Business: 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.

How can I get cheap car insurance?

With the average comprehensive policy now costing £847 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 car insurance:

  • Consider the car you drive: 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: 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: 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: 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: Building up a no-claims bonus can help shave pounds off your premium.
  • Telematics: 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?

In July 2017, 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 car insurance policy now stands at £847, an increase of 18% year-on-year**.

This is an annual increase of a staggering £132 on drivers' premiums, making it more important than ever to shop around and compare your best car insurance 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 car insurance.

 Price index Q2 2017

Need more help? Take a look at our expert guides


No-claims bonus explained

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How does it work? How do you build one up?

How do I save on car insurance?

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Clever ways to save on your car insurance.

Can I drive someone else's car?

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Why you should check your policy wording.

Do I need comprehensive insurance?

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Should you consider comprehensive cover?

How do I cancel my car insurance?

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What you need to know about cancelling your car cover.

FAQs

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Our car FAQs have all the answers!

Check out more of our expert insurance guides