Compare Car Insurance
We provide the best car insurance quotes to you in a minute...
About you and your car
Specify your car's make, model, and age with some personal details.
Type of cover you need
Select the type of policy you need.Choose Your Coverage.
Find the right policy
Receive a tailored list of policy options .Choose the best.
Cost Of Car Insurance
How Much Does Car Insurance Cost?
Factors Affecting Car Insurance Cost
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1. Type of cover you choose.
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2. No claims bonus.
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3. Age and driver profile.
Average Annual Premium Costs
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1. Fully Comprehensive: £973.
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2. Third Party, Fire and Theft: £1,422.
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3. Third Party Only: £2,559.s
What Level of Car Insurance Do I Need?
Comprehensive Insurance
What is Fully Comprehensive Insurance?
Fully comprehensive insurance provides the highest level of coverage available.
It covers damages to your car, including write-offs, theft, fire incidents, and medical expenses.
Key Features
Highest level of coverage available.
Often the most expensive insurance option.
Covers damages from accidents, theft, medical expenses, fire damage, and vehicle theft.
Third Party, Fire and Theft
What is Third Party, Fire and Theft (TPFT)?
A TPFT policy covers the costs of damage to another person's vehicle or property if you're at fault for
the damage.
It doesn't cover your own car repairs or medical bills in case you're responsible for an incident.
However, it provides coverage for theft, attempted theft, and fire damage to your car
Key Features
Covers damage to other people's property, vehicles, or injuries if you're at fault.
Provides protection in case of theft or fire damage to your vehicle.
Does not cover repairs to your car or personal injuries if you're found responsible.
Third Party Only
What is Third Party Only (TPO) Insurance?
🇬🇧 Required by law to drive your car legally in the UK.
Your insurer pays for damages to others' property or vehicles but does not cover repairs for your own
vehicle.
Key Features
The minimum legal requirement for driving in the UK. Covers damages to others' property or vehicles in accidents. ypically the most budget-friendly insurance option for drivers.
Car Insurance Add-ons to Consider
Windscreen Cover
-ADD-ON: Windscreen cover
-Covers the repair of any cracks or chips on the windscreen of your car.
Personal Accident Cover
-ADD-ON: Personal accident cover
-Provides compensation to a passenger or you in case of any injury or death in an accident.
Breakdown Cover
-ADD-ON: Breakdown cover
-Ensures you must get home or to the repairer due to any unexpected breakdown .
Courtesy Car
-ADD-ON: Courtesy car
-If your car is being repaired, your insurer offers access to a courtesy car.
No Claims Discount Protection
-ADD-ON: No claims discount protection
-Provides a range of claims per year without affecting your no claims discount.
Stolen or Lost Keys
-ADD-ON: Stolen or lost Keys
-Your insurer covers the cost of replacing your stolen or lost keys.
-Consider these add-ons carefully to enhance your coverage while also managing your overall
insurance costs.
How Your Choice of Cover Affects Premiums?
Surprisingly, fully comprehensive insurance tends to be the cheapest option despite offering the
most coverage.
Fully comp policies average £973/year, TPFT is £1,422, and third-party only is as high as £2,559.
Drivers with third-party-only coverage are more likely to be involved in accidents.
Available Insurance
Testimonials
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ANALYST
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How Your Driver Profile Affects Car Insurance Premiums
Younger Drivers (Under 25)
Tend to pay more due to higher accident risk.Consider telematics policies or adding a named driver to reduce costs.
Older Drivers (25+)
Premiums generally decrease with age until around 70-75.After this age, costs may rise due to potential medical conditions.
Still pay less compared to younger drivers.
New Drivers (Regardless of Age)
New drivers often face higher premiums.Choosing a smaller, less powerful car or limited mileage policies can help lower costs.
Convicted Drivers
Premiums increase significantly with criminal convictions or points on the license.Compare multiple policies to find the best options.
Types of Cars and Their Insurance Considerations
Car Insurance Groups:
Cars are categorized into groups based on their insurance costs.
Higher group number implies higher premiums.
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Electric Car Insurance
-Electric cars have unique insurance needs, including coverage for batteries and components.
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Modified Car Insurance
-Vehicle modifications can increase insurance costs, especially if they enhance performance.
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Classic Car Insurance
-Classic cars may have higher premiums due to challenging part availability.
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4x4 Insurance
-4x4 vehicles used off-road may require dedicated green lane coverage.
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Sports Car Insurance
-Powerful sports cars often cost more to insure, but options exist to control expenses.
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Imported Car Insurance
-Imported cars may need additional certification based on their origin.
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Petrol vs. Diesel
-Diesel cars can be slightly more expensive to insure compared to petrol cars.
-Smaller, less powerful cars and popular, inexpensive models are often cheaper to insure due to their lower accident risk and readily available replacement parts.
-Some cars have unique insurance requirements, necessitating specialized policies. Electric cars need coverage for batteries, modified cars require modification insurance, and so on.