Car insurance discounts: how to save money on your premiums
Car insurance is a necessity for drivers in the United Kingdom, but it can also be a significant expense. Fortunately,
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- You could save up to £504* on car insurance
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Do I need car insurance?
You are required to have car insurance in the UK if you own or drive a motor vehicle on public roads. The minimum level of insurance required in the UK is known as “third-party insurance.”
Driving without insurance in the UK is a serious offence. If you’re caught without insurance, you could face fines, penalty points on your driving license, and even having your vehicle seized and crushed.
How do I get cheaper car insurance?
Consider the car
Consider the make, model, age, and value of your vehicle when purchasing a car
Security
Improve the security of your vehicle by installing anti-theft devices, alarms, immobilisers, and tracking systems.
Parking
Consider where you park your car overnight.
Excess
Opt for a higher voluntary excess if you can afford it
No claims bonus
Opt for a higher voluntary excess if you can afford it.
Named driver
If possible, add an experienced and low-risk driver to your policy, such as a spouse or parent.
Blackbox
Consider blackbox insurance, where your driving behaviour is monitored.
Pay annually
If you can afford it, pay your premium annually instead of monthly.
Renewal
Don't automatically renew your policy without comparing quotes.
Types of car insurance
This is the minimum legal requirement. It covers liability for injury or damage to other people and property caused by your vehicle.
In addition to third-party coverage, TPFT insurance also covers your vehicle if it’s stolen or damaged by fire.
The insurer may increase the premium if the fund underperforms but the amount of cover it pays out will stay the same. Whole of life insurance is usually the most expensive option as it guarantees a pay-out.
Comprehensive insurance covers all of the above and provides additional coverage for damage to your own vehicle, regardless of who’s at fault.
Telematics insurance involves the use of a black box device installed in your vehicle or a smartphone app to monitor your driving behaviour.
PAYG insurance allows you to pay for coverage only when you’re using your vehicle. It’s often used by occasional drivers and can be a cost-effective option.
Multi-car insurance allows you to cover multiple vehicles and drivers under a single policy.
Temporary car insurance provides coverage for a short duration, typically from one day up to a few months.
If you use your vehicle for business purposes, you may need commercial car insurance.
Factors that affect the price of car insurance
The price of car insurance in the UK is influenced by various factors that insurance providers consider when calculating premiums, including:
- Age and driving experience
- Type of coverage
- Vehicle type and value
- Engine size
- Security features
- Where you park and live
- Annual mileage
- Claims history
- Occupation
- Named drivers
- No-claims bonus protection
- Telematics devices
- Previous penalties
- Policy extras
FAQ
Need more help?
What is a no claims bonus?
A no-claims bonus is a discount offered to policyholders who have not made any claims on their car insurance policy. It rewards safe and claim-free driving.
How can I protect my NCB if I make a claim?
You can protect your NCB by purchasing NCB protection as an optional extra. With this protection, you can make a certain number of claims without affecting your bonus.
Can I drive someone else's car with my insurance?
It depends on your policy. Some policies offer “driving other cars” coverage, but it’s usually limited and may not be available with all policies.
What should I do if I am involved in an accident?
After an accident, you should prioritise safety, exchange information with the other party, report the incident to your insurer promptly, and gather evidence if possible, including photos and witness details.
Can I cancel my insurance policy at any time?
You can usually cancel your policy, but there may be cancellation fees or terms and conditions to consider. It’s important to review your policy’s cancellation policy and check with your insurer.
What happens if my car is stolen or written off?
If your car is stolen or declared a total loss (written off), your insurance provider will typically compensate you based on your policy’s terms, which may include the market value of the vehicle or an agreed-upon value.
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*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
