Business use
Standard car insurance won't cover business use, so you need a special policy for work vehicles
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We compare quotes from 176iii of the most trusted car insurance providers in the UK, so you can easily compare defaqto ratings, cover level and price, helping you to save up to 45.72%iv.
We’ll need some details about the driver and the car you’d like to insure.
We’ll find you the cheapest quotes from 176iii trusted insurers.
Choose the policy that best suits your needs and complete your purchase.
Your car registration number and driving licence number
Any no-claims bonus you’ve accrued
When you bought the car and any modifications made
Your expected annual mileage
Whether you’ll use the car for social, commuting, or business purposes
Note: you can still get a quote if you don't know the registration yet
Car insurance is a legal requirement to drive in the UK. It offers financial protection if you’re involved in a car accident. IAM RoadSmart uncovered an epidemic of uninsured young drivers from data acquired from the DVLA. However, driving without insurance could leave you with a fine of £1000 as well as penalty points added to your licence, so it’s important to renew your policy every year.
If you're not sure, it's easy to check if you're insured through the MID database. Even if you are insured, however, it's useful to compare quotes to make sure you're not spending more than you need to.
Insurance for learner drivers
When you're a learner driver you still need to be insured to practice on UK roads.
Cheap options for new drivers
Telematics insurance offers the most cost effective option for new drivers after they've just passed their driving test.
Over 50s car insurance
After 50, you are more likely to be considered a low-risk driver and can get cheaper insurance as well as specialised policies.
Compare quotes from 176iii trusted insurers in minutes
There are three types of cover to choose from when you buy car insurance. These are:
Fully comprehensive cover is the best car insurance policy as it gives you the highest level of protection. It will cover you for a wide range of risks, often at the cheapest price.
Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property.
Third-party cover is the minimum legal requirement. Despite only covering injuries and property damage, it’s usually more expensive than fully-comp cover.
According to Consumer Intelligence – an independent third-party that checks car insurance prices across the market – 51% of customers could save up to £462i. How much you could save will completely depend on your personal circumstances and how much you’re currently paying, but there are ways to ensure you get the lowest possible premium.
You could get a lower price by simply being organised. Quotes tend to be cheaper between 20-27 days out from your renewal date. If you leave it until the last minute to compare quotes, you’ll pay more, so be organised and check prices earlier rather than later.
While renewals and prices have been increasing, we're finally seeing premiums starting to come back down. Remember to renew early, pay annually and compare quotes through MoneySuperMarket to find the right policy for you at the cheapest price. Remember, if you find a better price elsewhere, we promise to match that price as well as give you a £20 gift card.
However, as car insurance prices have surged by 67% on average in the past year, insurers are rapidly introducing new “essentials” cover tiers to offer more affordable alternatives, according to analysis by Fairer Finance. It is important that you understand exactly what these stripped-back policies do and do not cover at the time of purchase rather than at the time of making a claim.
Add-ons like breakdown cover cost extra to add to your policy. Consider cutting out optional extras that may be cheaper elsewhere.
Telematics policies, or black box car insurance, give inexperienced drivers a chance to earn lower premiums by showing that they have sensible driving habits.
Paying an annual lump sum for your car insurance may seem like a big outlay, but it typically costs less overall because you pay interest on monthly payments.
One of the simplest ways to reduce your insurance cost is to increase your voluntary excess. Be careful not to increase your excess so much that you can't afford it if you need to make an insurance claim.
Don't be caught out by letting your motor insurance auto-renew at the end of your policy. Prices typically rise every year. Try comparing quotes 20-30 days before your contract ends to stand the best chance of finding a cheaper deal elsewhere.
Insurers will always look at your claims history. You'll naturally build a no-claims bonus for every year you're not involved in an accident and don't make an insurance claim. However, if you can avoid making claims for smaller things by paying for the repairs or replacements yourself, you can continue to build your no-claims discount.
You can reduce the cost of motor insurance by parking your vehicle off the road when you're not using it. The best place to keep it overnight to reduce your insurance cost would be in a locked garage.
Modifying your car can often mean more expensive repair costs, so you’ll likely pay more to cover these.
If you're a relatively new driver, try adding an experienced named driver to your policy as it may bring down your insurance costs. By having an experienced driver also driving the car, insurers may view you as less likely to take risks.
Insurance groups are broad classifications of cars that insurers use to assess risk, car value and other factors. Cars in lower insurance groups usually cost less to insure, and it’s easy to check which cars fall into which insurance groups if you haven’t quite decided what to buy.
We're so confident that we'll find you the cheapest car insurance deal with MoneySuperMarket, that we're making a price promise to you. If you find the same car insurance policy for cheaper elsewhere, not only will we refund the difference, we'll also give you a gift card worth up to £20!4
4 Restrictions and T&Cs apply, click here for details.
In the news at the moment: Leaving your car to warm up unattended could invalidate your car insurance. Find out how.
Keep up to date and find out all you need to know with our latest guides.
As well as standard comprehensive policies, we can help you find specialised types of policy for specific circumstances, including multi-car insurance and short-term cover:
Standard car insurance won't cover business use, so you need a special policy for work vehicles
This lets you take out temporary car insurance from anywhere between a day and a few months
This car insurance type gives you the option of adding more than one car to your policy
Get the chance to bring your costs down by installing a black box, which monitors your driving habits.
If you’re learning in your own car, learner driver insurance provides cover while you’re practising to pass your test
Some providers offer tailored car insurance for drivers over 50, so it’s worth comparing the whole market
All drivers, including newly qualified drivers, are required to have car insurance when driving on the road
Add-ons will cover you for scenarios and costs that are not typically included in car insurance policies. While add-ons like breakdown cover can provide extra peace of mind, they do come with an extra cost that will be added to your policy.
Breakdown cover pays for the cost of calling out a mechanic if your car breaks down and you need roadside assistance.
If your car is in for repair, courtesy car cover will help you get a replacement vehicle for while you need it.
Personal accident cover pays out a lump sum if you’re injured or killed in a road accident.
Motor legal protection will covers any legal fees you might face in relation to a road accident.
Windscreen cover will pay for the cost of repairing or replacing a cracked windscreen.
If you lose your car keys or if they're stolen, car key cover will cover the cost to replace them.
Also know as misfuelling cover, wrong fuel cover pays for the necessary repairs you'd need if you accidentally top your car up with the wrong type of fuel.
Personal belongings offers protection for your belongings in the event your car is stolen, which can be handy if you tend to leave them in your car.
Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time.
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Car insurance group checker - check which insurance group your car falls into
Car insurance cover advisor - identify the type of cover you need
Electric vehicle finder - find the electric vehicle that best suits your needs
Car finance calculator - get an idea of how much car finance might cost you
If you plan on paying your car insurance monthly, then your insurance provider will perform a ‘hard’ credit check. A low credit score can drive up your premiums. You can keep an eye on your credit score with our Credit Score tool
With 171ii car insurance providers to choose from on MoneySuperMarket, the "best" company will depend on your individual circumstances. Factors like your age, driving experience, location, car type, and desired level of coverage will all influence which insurer offers the most competitive rate and suitable policy.
Using our comparison tool can help you find the right policy for you at the best price.
A fully comprehensive car insurance policy generally offers the most protection and can be surprisingly cost-effective, making it the best value for most car owners.
Car insurance in the UK is priced based on groups of cars, ranging from 1 to 50. Group 1 represents the vehicles considered the cheapest to insure, while Group 50 represents the most expensive. New cars can sometimes be more expensive to insure because they're more valuable.
You can check which group your car comes under here
While you can get car insurance at any time, the best window to score the most affordable cost of your premiums will fall within 15 to 29 days of your policy renewal date. Compare quotes with MoneySuperMarket to find the most affordable option for you.
How long a quote is valid for is down to the insurance provider. Using our price comparison service you can save your searches, but there's no guarantee the price will be the same when you purchase.
If you cancel your policy within the first 14 days, most insurance companies won’t charge a cancellation fee but check the small print because some will. If your policy has been active for longer, you’re likely to have to pay a cancellation fee plus the cost for the time you’ve been insured (pro-rata).
Excess payments refer to the cost of making a claim – compulsory excess is how much you’ll need to put towards the total cost before your insurer pays the rest. The voluntary excess is how much you choose to pay; the higher this figure, the lower your premium is likely to be.
A no-claims bonus – also known as a no-claims discount – can cut the cost of your car insurance. The longer you drive without claiming, the better your claims history and the bigger the discount you can earn when renewing your cover.
If you are in an accident, you may consider not claiming if the damage is minor and it would be more sensible to pay for the repairs yourself – for example, if the excess you’d need to pay is more than the overall repair costs. This way you’ll preserve your no-claims bonus as well as being better off financially.
Yes, you're likely to pay less overall if you pay the annual fee upfront. This is because insurers add on a fee for monthly payments. While monthly payments can help to spread out the cost over 12 months, you will end up paying more overall. Insurers will carry out a credit check if you opt to pay monthly to see if you can afford it.
While advanced driving courses such as Pass Plus or IAM (Institute of Advanced Motorists) make you a better driver, they won’t always save you money on your car insurance. While the average person is unlikely to save with Pass Plus on their record, younger or inexperienced drivers might be able to save a few quid. However, any discounts will depend on the individual insurer, and the course itself may cost more than any savings on your insurance cover. You may well save more by shopping around and comparing deals from different providers.
The number of miles you drive on average per year is used to calculate your car insurance premiums. To calculate your expected mileage, you can:
Look at the number of miles you drove the year before on your annual MOT certificate
Check your car's service record - mileage is noted in your logbook every time your car has its annual service
Calculate how many miles you drive each week and add them all up
Any-driver insurance allows anyone to drive your car (with your permission). This is handy if you have lots of family and friends that want to borrow your car. The downside is that it can be expensive, as your insurance provider can't be sure who's driving the car at any given time.
Yes, a lower annual mileage typically results in cheaper car insurance. On average, MoneySuperMarket customers who drove between 5,001 and 10,000 miles in a year paid £168.33 less for their comprehensive car insurance in March 2024 than those who drove over 50,000 miles, resulting in a saving of around £168.33 per year.
The reason behind this is, the fewer miles you drive, the less likely you are to be involved in an accident. Insurance companies often reward lower-risk drivers with lower premiums.
Before you drive your new car, you’ll have to make sure you have the right level of cover to do so. If you’re buying a new car and already have insurance, you’ll need to change the car on your policy documents by getting in touch with your provider. If you haven’t set up insurance for your new car, you can quickly take out temporary car insurance so you can drive the car home before taking out a proper policy.
To make car insurance pricing fairer for existing customers and to prevent people paying the price for remaining with their provider, the Financial Conduct Authority (FCA) introduced new rules for insurers to adhere to. The new rules mean that insurers must offer the same price to both new and existing customers.
You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.
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