Car insurance FAQs

The most commonly asked car insurance questions

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Got a question about getting a car insurance quote? Here are the answers to our frequently asked questions

A car overlooking views of the countryside

General

How do I contact customer services?

To contact our customer services team, either send a message or use the following telephone numbers:

  • Within the UK: 0333 123 1983
  • Outside the UK: +44 1244 976 301

Our lines are open Monday to Friday, from 9am to 5.30pm, UK time.

Logging in

Why do I need to give you an email address and password?

When you look for car insurance quotes on MoneySuperMarket, we automatically save the personal details you’ve given us and all your quotes in a dedicated account. This means that you’ll be able to easily adjust your personal details, or come back later to view your quotes again without having to retype all your information.

It’s important to us that your personal details are kept safe, and we don’t want anyone else accessing the information you give us without your consent. To protect your information, we secure it using your email address and a password. Whenever you come back, just enter your password so we know it’s you.

What do I do if I’ve forgotten my password?

Next to the login button, you’ll find a link that says ‘Forgotten password?’ If you click that link, you’ll be able to enter your email address and receive a password reset link.

Why haven’t I got my password reset email?

Our password reset emails should arrive within a few seconds. If you can’t see it, it’s possible that it’s been mistakenly sorted into your junk or spam folders. Mark the email from MoneySuperMarket as ‘Not junk’ or ‘Not Spam’ or ‘Safe,’ so next time you’re sure to get your emails as soon as you need them.

Filling out the form

What if my car isn’t listed?

When you search for car insurance using our price comparison tool, the quickest way to find your car is by entering its registration. We can look up cars registered anywhere in the UK – but if we still can’t find your particular car, you can still get a quote.

Use the link that says ‘find your car by make and model’ underneath the registration field. As long as you give all your details correctly, the quotes you get should be just as valid.

How do I know if my car is modified?

Your car is considered to be modified if you’ve made any changes that make it different from its factory settings. A modification could alter a car’s performance, function or appearance – and changes to the interior, exterior or the internal mechanism are all treated as modifications.

For instance, your car could have new paintwork, new seats, tinted windows or a separate audio system. Other modifications include spoilers to make the car more aerodynamic, shock absorbers or high-efficiency air filters – anything you’ve added to the car since you bought it.

What do I do if I can’t find my address?

Double-check to make sure you’ve entered your address correctly. In the unlikely event that your postcode isn’t covered by our system, we sadly won’t be able to help you with a precise quotation. However, if you use a postcode close to your address, you can get an indicative quote – just make sure you never buy car insurance without providing accurate information.

What if my job isn’t listed?

We list many job titles and employment sectors, and continue to update them on a regular basis. If your job isn’t one of them, try describing it differently, or pick the closest match.

Can I enter a no claims discount from a non-UK insurer?

Many UK insurance companies don’t recognise any no claims bonus earned from overseas insurers, so you'll have to speak to your insurer about this.

Insurance and insurers

Which insurance quote should I pick?

Every driver’s needs are different, so you should pick the quote that gives you the most for your budget and your requirements. We’ll put the cheapest quotes at the top of the page – but if you want the security of greater cover, it’s worth scrolling down. For more information on how to choose the right car insurance deal, see our guides.

What are the types of cover?

There are three different levels of cover for car insurance. These are:

  • Third-party car insurance
  • Third-party, fire and theft car insurance
  • Comprehensive car insurance

The average cost of car insurance

According to MoneySuperMarket data correct as of August 2019

Third-party car insurance covers any damage sustained by a third party, their vehicle, or their property, if you are at fault. It does not pay for any repairs to your own vehicle.

Third-party, fire and theft car insurance also covers your own car in the event that your car is stolen or damaged by fire.

The highest of the three levels is fully comprehensive car insurance. With comprehensive car insurance, you’re covered for all of the above – plus you and your car are insured against any injury or damage, even if it was your fault.

How can I get a courtesy car, legal cover and breakdown cover?

With MoneySuperMarket, you can tailor your results to make sure you get all the cover you need. When filling out the form, you can tell us whether you require a courtesy car, legal cover or breakdown cover as part of your car insurance.

If you’ve already completed the form, and you decide you’d like to see car insurance deals that include these extras, simply check them off at the bottom of the ‘Filter Results’ pane on the left of your screen.

Can I keep my no-claims discount?

If you’re switching car insurance providers and you’d like to protect your no-claims discount, simply let us know when you fill out the form. Keep in mind that some providers might not let you carry your no-claims bonus forwards, so it’s possible that you’ll see fewer quotes.

What are voluntary and compulsory excesses?

When you make a claim, your insurer won’t cover the whole cost – you’ll also need to make a contribution. This contribution is called the excess. It’s divided into two parts: the compulsory excess and the voluntary excess.

The compulsory excess is set by the insurer, but you can choose how much of a voluntary excess you’re willing to pay on top of that. For instance, if you have a compulsory excess of £200 and a voluntary excess of £100, and you’re in an accident that causes damage worth £800, you’ll pay the first £300 and your insurer will cover the remaining £500.

While it might seem like a good idea to set your voluntary excess to £0, choosing a higher voluntary excess is likely to make your premium cheaper.

What should I do if a provider comes back with a different voluntary excess?

It’s always possible that you could set a voluntary excess that’s too low or too high for your preferred insurer. You can change your voluntary excess on the ‘filter results’ pane – but make sure that you’ll be able to afford it if you have to make a claim.

Why have I not received any quotes?

It’s extremely unlikely, but there’s a chance we might not be able to find any car insurance deals that meet your requirements. Make sure you’ve answered every question correctly, and if you still get no results, consider changing your voluntary excess, your required add-ons, or the type of cover you require.

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