Car insurance

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Why buy cheap car insurance from us?

  • Compare over 110 leading brands

  • Save up to £284* on your car insurance

  • Automatic MOT, tax & insurance reminders

  • Get a quote in less than 5 minutes

Get a brand new quote

We’re here to help you find cheap car insurance quotes effortlessly

It doesn’t take long

Pop in a few details about yourself, your car and driving history, and any named drivers

We’ll search for savings

We’ll scour the market to find you the cheapest car insurance that offers the cover you need

Car Monitor

We can remind you when your MOT and tax are due, so you never miss your renewals

Which car insurance brands do we work with?

We compare dozens of the biggest insurance providers in the country, including:

See more car insurance brands

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

We combine independence, so we can negotiate the best prices, with excellent technology, to find the best value products and services.

That makes us, in our customers' opinions, the best price comparison website.

The average cost of car insurance has increased slightly in the past year to £485, according to MoneySuperMarket data. But any savings are unlikely to be passed on to consumers. Some top tips to lower your premium:

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Don’t auto-renew

Over a third of motorists let their
policy renew automatically.
Don't be one of them - shop around

 

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Compare quotes

51% of customers who search for car
insurance with us could save up to £284* 

on their premium

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Increase your excess

Insurers are likely to reduce the cost
of cover if you're willing to
 increase your excess

*51% of consumers could save up to £284.51 Consumer Intelligence, June 2020

Details of the car

The car’s registration number if you have it to hand. If not, the car make and model is fine. We’ll also need the car’s age and any modifications you’ve made

What you'll use the car for

Social, commuting or business, and how many miles you think you’ll do a year. You’ll also need to say where you’ll keep the car at night for security

Your details

Including your job, your age and your address

No-claims discount (NCD) history

Details of your no-claims discount will help lower the price you are quoted. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour

Your licence

The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here

1

Fully comprehensive

Fully comprehensive insurance protects you, your car and other motorists from damage. It also covers medical expenses, repairs, fire damage and theft of your vehicle

£490 on average

2

Third-party, fire and theft

Third-party, fire and theft policies cover repair costs for other people, their cars and their property, as well as your own vehicle if it’s stolen or damaged by fire

£823 on average

3

Third-party only

The minimum legal requirement, third-party insurance will only cover any damage you cause to other people, their cars and their property. It won't cover injuries to you or damage to your vehicle

£1,306 on average

Based on all policies sold, according to MoneySuperMarket data accurate as of June 2020

The cover you need also depends on what you drive, where, and how. There are also plenty of add-ons to help you find the right deal for you. It usually pays to shop around, because you are likely to save a significant sum of cash by changing insurer every 12 months, when your policy comes up for renewal.

Young drivers

Younger and learner drivers tend to pay a lot more for car insurance because they have less experience behind the wheel, and many buy specialist policies

Business car insurance

If you use your car for business reasons – including driving on behalf of your employer – you should consider taking out a business car insurance policy

Telematics insurance

Your insurer monitors how safely you drive via an app or a black box installed in your car. If you drive carefully, you could see a significant saving

European car insurance

You can drive in most of Europe on your UK car insurance, but there are several countries where you might need additional cover

Multi-car insurance

If there’s more than one car registered at your address, a multi-car insurance policy might help you and your household save money

Classic car insurance

Classic cars are usually more valuable – and harder to repair – than modern vehicles. If you own one, you may need a dedicated classic car policy

When you take out car insurance, you'll be able to find policies with the following features.
However these will increase your premiums, so consider whether you really need the following:

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Breakdown cover

Which pays for the cost of calling out a
mechanic if your car breaks down

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Courtesy car cover

Gives you access to a replacement
vehicle while yours is in for repair

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Personal accident cover

Which offers a lump sum if you’re
injured or killed in a road accident

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Motor legal protection

Which covers legal fees you might face in
relation to a road accident

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Windscreen cover

Which pays out for the cost of repairing
or replacing a cracked windscreen

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Car keys cover

To cover the cost of replacing your keys
if they’re lost, damaged or stolen

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Wrong fuel cover

Which will pay for the necessary repairs
required if you accidentally top up with the
wrong type of fuel

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Personal belongings cover

Which protects your belongings if
you leave them in your car

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No-claims discount cover

Protects your no-claims discount by allowing
you to make a certain number of claims within
a year before it affects your premiums

Do I need car insurance?

Car insurance is a legal requirement for drivers in the UK, thanks to the continuous insurance enforcement rules brought in as part of the road safety act of 2006. This means that unless your car is registered as off the road with a SORN, or in the process of being bought or sold, you could be faced with a fine for not insuring your vehicle.

Why is car insurance for new drivers so expensive?

New drivers and young drivers alike generally pay much higher car insurance premiums as insurers see these groups as higher risks of being involved in a road accident – therefore more likely to claim on their insurance policy. 

Do driving courses help lower the cost of insurance?

While driving courses such as Pass Plus or IAM make you a better driver, they won’t always save you money on your car insurance policy. In fact the average person won’t see any difference in premiums whether or not they have Pass Plus on their licence – but that doesn’t mean it can’t benefit anyone at all. Younger or inexperienced drivers might be able to save a few quid, but it’s better to shop around and compare options – this way if insurers do offer discounts you’ll be able to take advantage.

How does telematics cover work?

Telematics cover involves your insurer monitoring your driving habits and adjusting your premiums according to how you drive. They do this through one of three types of telematics tech – either a black box (the most common) installed under your dashboard, a plug-in device or an app on your smartphone.

This is particularly useful for sensible new drivers as it offers a way to get lower car insurance premiums as a reward for driving safely.

How can my parents help me get cheaper car insurance?

As a young or new driver, you might be able to knock a few quid off your premiums by adding another more experienced driver to your policy – in most cases this will be your parents. This suggests to insurers that you won’t be the only person driving the car, therefore the assumed risk won’t always quite so high.

While this can be a good way to get cheaper cover, people sometimes take advantage of this by declaring the older or more experienced driver as the ‘main driver’ – when in reality it’ll be the young or new driver using the car more frequently. This is known as ‘fronting’ and is illegal.

Is it cheaper to pay monthly or annually for car insurance?

You’re likely to get a better deal on your car insurance policy if you pay an annual lump sum rather than in monthly instalments. This is largely because in a way monthly payments are similar to taking out credit – you’ll be covered in full, but without having paid the full amount yet. 

Paying monthly can be useful as you’ll be able to spread the cost out, but you will end up paying a little extra overall.

What does excess mean?

Excess payments refer to the cost of making a claim – it’s essentially how much you’ll need to put towards the total claim cost before your insurer pays the rest. Volunteering a higher excess fee on top of the compulsory amount indicates to insurers you won’t bother making small and frivolous claims.

What is a no-claims bonus?

A no-claims bonus is what you earn when you go some time without claiming on your policy. The longer you’ve gone without claiming, the more your insurers will knock off your premiums as they’ll see you as less likely to make further claims in the future.

You might consider not claiming for an accident if the damage done to your car is minor and it would be more sensible to pay for the repairs yourself – let’s say the excess you’d need to pay was more than the overall repair costs. This way you’ll preserve your no-claims bonus as well as being better off financially. 

Do I have to tell my insurers about an accident if I’m not going to claim?

If you’re involved in an accident and you decide not to make a claim, you should still inform your insurer. They’ll keep their records up to date, so they know what condition your vehicle is in and whether this will affect your likeliness of claiming some time in the future.

If you don’t keep your insurer updated, it’s possible this will void your insurance policy so you won’t be able to claim when you really need to.

Explore more car insurance

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