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Pop in a few details about yourself, your car and, and the cover you need
We now offer discounts on a range of policies. We use our own money to lower the price of these policies as a way of saying thank you!
Join thousands of our customers already saving money — Look out for this symbol when you get to your results.
2At least 62% of customers will see a discounted policy in the top 10 results based on enquiries Nov 19 - Jul 20
Pop in a few details about yourself, your car and, and the cover you need
We’ll scour the market to find you the cheapest car insurance that offers the cover you need – you could save up to £2803
We can remind you when your MOT and tax are due, so you never miss your renewals
A fully comprehensive car insurance policy will cover you for damage, repairs, medical expenses, fire damage and theft, as well as damage done to someone else, their car or their property
£489 on average4
Third-party, fire and theft policies offer cover for other people, their vehicles and their property, as well as protection for your own vehicle if it’s stolen or damaged by fire
£733 on average4
Third-party only car insurance is the least comprehensive type of cover available, and it’s the minimum legal requirement you must meet to drive on UK roads. It’s also usually the most expensive of the three
£1,336 on average4
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
You can drive in most of Europe on your UK car insurance, but there are several countries where you might need additional cover
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
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 cars are usually more valuable – and harder to repair – than modern vehicles. If you own one, you may need a dedicated classic car policy
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
Including your job, your age and your address – and the same for any additional drivers you may have – as well as your claims and driving conviction history
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
The type of licence you have and how long you’ve held it. You can also add any additional driving qualifications you have here
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
"Car insurance can be expensive, but there are ways you can lower your premiums. Choosing fully comprehensive cover and paying annually can bring costs down, but shopping around is a quick and easy way to find a good deal "
- Dave Merrick, head of car insurance
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.
Very easy to get a great range of alternative options to the renewal quote from my current insurers.Lewis, Oxford 20 January 2021
AllMaureen, Wallsend 20 January 2021
Ease of use. Good choice of products. Use it to save money on all our household bills.Kathy, Lincoln 20 January 2021
SavingsGordon, Birmingham 20 January 2021
Website was easy to use saved £40:00 on my renewal.Ian, Shrewsbury 19 January 2021
-Large selection of quotes -Personal data retained from previous years which expedites procedure -Easy to compare quotes b...Costas, Littlehampton 19 January 2021
Easy to understand and useNathan, Scotland 19 January 2021
Plenty of options. All products clearly explainedDave, Rotherham 19 January 2021
It's car insurance, like brushing your teeth, it's not about "good points" it's about getting it done.Patricia, Swanmore 19 January 2021
From start to finish everything was so easy, I will definitely use it againJanet, Aylesbury 19 January 2021
of our customers would buy again based on 59,702 reviewsSee all reviews
If you can avoid making claims for smaller things by paying for the repairs or replacements yourself, you can earn a discount on your premiums – the longer you go without claiming, the greater the discount should be
Modifying your car can often mean more expensive repair costs or rarer spare parts required, so you’ll likely pay more to cover these
Telematics policies, sometimes known as black box car insurance, gives younger and inexperienced drivers a chance to earn lower premiums by demonstrating sensible driving habits
Your car insurance policy will likely be renewed automatically when the term ends, but you may be able to find a cheaper deal when you compare quotes online
Paying an annual lump sum for your car insurance policy may seem like a big initial outlay, but it would cost less overall than if you were to pay monthly instalments
Which pays for the cost of calling out a mechanic if your car breaks down
Gives you access to a replacement
vehicle while yours is in for repair
Which offers a lump sum if you’re
injured or killed in a road accident
Which covers legal fees you might face in
relation to a road accident
Which pays out for the cost of repairing
or replacing a cracked windscreen
To cover the cost of replacing your keys
if they’re lost, damaged or stolen
Which will pay for the necessary repairs
required if you accidentally top up with the
wrong type of fuel
Which protects your belongings if
you leave them in your car
Protects your no-claims discount by allowing
you to make a certain number of claims within
a year before it affects your premiums
With the coronavirus pandemic causing travel restrictions and many of us staying home to work, most people have been spending less time in their cars. Because of this the government has announced some changes to the way things like MOTs, driving tests and other arrangements will be conducted. There could also be changes to your car insurance and breakdown cover. Read our coronavirus and car insurance guide to find out more.
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.
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.
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.
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.
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.
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.
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.
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.
Insurers look at a range of factors when deciding on your insurance premium, including your credit score. But they will also look at your age, your job and the car you drive, as well as where you live before they make a decision. If you have a bad credit score, it is still possible to get car insurance – you just may need to shop around.
One of the factors used to calculate your car insurance quote is the number of miles you drive on average per year. To calculate your own personal mileage, you can:
In most cases, the value you declare on your insurance policy documents will be the price you initially paid for the vehicle.
Be mindful though, that if you make a claim and your car has been written off your insurance provider will pay out the current market value of your car, not the initial price you declared on your insurance documents. This is because vehicle devaluation is also considered.
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 you saved will be the same as the price you get when you purchase.
Car insurers collect data about previous claims and use it to predict how likely it is that people in different occupations will make a claim in future. If the insurer judges your job to be higher risk than another one, you’ll likely pay more. Find out more about why your job affects your car insurance cost.
Even if you have comprehensive car insurance, you might not be insured to drive someone else’s car. Cover for driving others cars (DOC) used to be included in most comprehensive policies but this is no longer the case. You will often have to request it and pay for it as an extra.
Usually 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 than 2 weeks, you’re likely to have to pay a fee for cancelling plus the cost for the time you’ve been insured (pro-rata).
Even if it wasn’t your fault, making a claim will almost always lead to an increase in your car insurance premium. A non-fault claim won't affect it as much as an at-fault claim will though.
To make a car insurance claim, you’ll first need to notify the police. They will give you a crime reference number that you’ll then need to give your insurer.
You usually have to call your insurer to make a claim, though you may also be able to claim online or by filling out a form and sending it by post.
There are a several reasons as to why a claim could be rejected:
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