Compare quotes in minutes and you could save up to £504*
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.
Consider the make, model, age, and value of your vehicle when purchasing a car
Improve the security of your vehicle by installing anti-theft devices, alarms, immobilisers, and tracking systems.
Consider where you park your car overnight.
Opt for a higher voluntary excess if you can afford it
Opt for a higher voluntary excess if you can afford it.
If possible, add an experienced and low-risk driver to your policy, such as a spouse or parent.
Consider blackbox insurance, where your driving behavior is monitored.
If you can afford it, pay your premium annually instead of monthly.
Don't automatically renew your policy without comparing quotes.
The price of car insurance in the UK is influenced by various factors that insurance providers consider when calculating premiums, including:
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.
After an accident, you should prioritize safety, exchange information with the other party, report the incident to your insurer promptly, and gather evidence if possible, including photos and witness details.
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.
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.
*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.