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Car Insurance - Guide Index

Our guides to buying car insurance

Shopping for car insurance can be confusing and, at times, daunting. To help you get the best deal on your motor insurance, read our car insurance guides - covering everything from finding the right policy to suit you, to lowering your premiums with our top tips.

Our top 4 guides and articles

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American Car Insurance

American cars are growing in popularity in the UK, but they aren’t straightforward to insure
two young girls in a car

Car insurance for teenagers

Teenagers often pay more than most for car insurance, but there are ways to cut the cost of cover. Find out more before you compare quotes.
man driving car

Countries that drive on the left

Planning on driving during your next trip? Discover which countries drive on the left-hand side of the road like we do in the UK.

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News & Guides
  • How much do driving lessons cost?Driving lessons are one of the biggest expenses to get on the road. In this guide, we'll look at how much they cost and explain some of the other big costs you may need to budget for.
  • Car excess insuranceFind out what excess insurance is and why it may be useful if you make a claim on your car insurance policy.
  • Cosmetic car insuranceCosmetic car insurance covers minor damage to your car, such as dents and scratches – saving you from claiming on your regular insurance policy.
  • Guide to car taxTaxing your car is a relatively straightforward process, but there are some things you’ll need to bear in mind. In our guide to taxing your car, you’ll discover how much it will cost, and whether you might be exempt based on the type of vehicle you have.
  • Annual vs monthly car insurancePaying annually for car insurance might mean a bigger all-in-one payment, but it does work out cheaper in the end.
  • What car insurance do you need?There are several different types of car insurance. Find out what type of car insurance you need to drive in the UK.
  • Agreed value car insuranceIf you have a classic or modified car an agreed value car insurance policy could be a useful option. Here’s how this cover works, when you might need it, and what to do next. 
  • The Claims and Underwriting ExchangeBy helping catch fake claims, CUE keeps the cost of insurance down for everybody
  • NEW DRIVERS
  • NAMED DRIVER CAR INSURANCEYou can be added as a named driver to their policy whether you’re a learner or a new driver.
  • What is car insurance fronting?Car insurance fronting is where someone declares themselves as the main driver of a car, when someone else will actually be driving it more. Fronting is illegal.
  • How to negotiate car insurance
  • What are the rules for supervising a learner driver?
  • What are the benefits of an electric car?Electric vehicles (EVs) have boosted in popularity in more recent years. What started off to help the environment has bought financial and social benefits too. With the government’s impending ban on new petrol and diesel cars by 2030, you may soon find yourself charging your car instead of fuelling it.
  • Car insurance: Petrol vs DieselThere are many differences between petrol and diesel cars – but the choice you make could end up saving you money, even on your insurance
  • Do you have to pay private parking tickets?Getting back to your car to find a parking ticket on your windscreen can feel frustrating. Our guide covers when you can challenge a ticket, and how parking fines work
  • MOT Checklist: What do I need to take?If your car is due its MOT and you're not sure how much it will cost or what's covered in the test, here's all you need to know…
  • Car Insurance Group 3Choosing a car in a lower insurance group will cut your costs.
  • Pass Plus Car InsurancePass Plus is a government-backed driving course that gives inexperienced motorists extra practical experience on the road. It should make you a better driver – but does it get you money off your car insurance?
  • Statutory Off Road NotificationsYou can use a Statutory Off Road Notification (SORN) to declare your car ‘off road’ if you don’t use it and don’t want to insure it. Here’s how
  • Car Insurance ClaimCar insurance claims aren’t always straightforward – here’s our guide on how they work and what you need to do
  • How to get cheap car insuranceUse our money-saving tips to find the right car insurance policy at the right price and cut the cost of your premium.
  • Car insurance for drivers with medical conditionsEverything you need to know about car insurance and medical disclosure
  • International Car Insurance
  • Driving in Ireland with UK insuranceIf you’re a UK driving licence holder, driving in Ireland shouldn’t hold any fears. But there are a few differences you need to know about, including whether you’re covered by your car insurance
  • Car insurance group 10Car insurance premium prices are affected by the car insurance group your car falls under. Cars in group 10 will have some of the lowest car insurance costs. Read on to find out why.
  • Car Insurance Group 6Cars in group 6 will be reliable, affordable and cheap to repair which means they have some of the lowest car insurance costs.
  • Car Insurance Group 5If you’re looking for an affordable set of wheels with relatively low insurance costs, cars in group 5 are a good place to start.
  • Car Insurance Group 8All cars in the UK are categorised into groups from 1 to 50 – the lower the insurance group your car is in, the cheaper your car insurance is likely to be
  • How to get proof of your no-claims bonusFind out how to get proof of your no-claims discount so you can take advantage when you switch car insurance providers
  • Do postcodes affect car insurance?Insurers take a number of factors into account when they set your car insurance premiums – and your postcode is one of them. Find out why this matters to insurers, and where cover is the cheapest in the UK
  • Electric Car ChargingWith an electric vehicle, the need to ‘fill up your tank’ has been replaced with the need to ‘charge your battery’.  Read on to learn all you need to know about electric car charging, including how much it costs.
  • Uninsured driver promiseFind out what happens if you’re hit by an uninsured driver, and how the uninsured driver promise can help.
  • When is my MOT due?Do you know when your MOT is due? Find out how long your MOT certificate is valid for, how to check it's due date, and whether you can drive without a valid MOT.
  • Second car insuranceIf you have more than one car, you might be able to cut the cost of car insurance by covering them with the same policy. Here’s our guide to finding the cheapest way to insure a second car.
  • Cheapest cars to insure in 2025Ever wonder which cars were cheapest to insure? Here’s what the MoneySuperMarket data tells us…
  • When is the best time to renew my car insurance?Don’t leave renewing your car insurance until the last minute – renewing early can save you money
  • Car Insurance Group 4Cars in group 4 are usually small, cheap to run and have some of the lowest car insurance costs.
  • Car Insurance Group 7Cars in insurance group 7 will have some of the lowest car insurance costs.
  • Manual vs Automatic carsVehicles usually either have manual or automatic transmission – find out what this means and how it can affect your car insurance premiums
  • How penalty points and driving offences affect car insurancePenalty points, also known as driving endorsements, can cause your premiums to go up – find out how they work and how long they stay on your record
  • European car insuranceAre you planning to drive in Europe? You’ll be happy to know that it is easy for UK motorists to cruise through European countries. That said, it is important to make sure you are covered in the event of any unwanted mishaps along the way.
  • The cheapest cars to insure for new driversFinding affordable car insurance for your first car isn’t always easy, especially for young and inexperienced drivers who face typically higher-than-average premiums. Here are the cars that, according to MoneySuperMarket data, were the cheapest to insure for drivers aged under 21.
  • Cancelling your car insuranceYou can cancel your car insurance at any time but you may have to pay a cancellation fee. Find out here how to cancel your car insurance and how much it will cost you.
  • How does your job title affect your car insurance?What you do for a living can have a massive effect on your annual car insurance premiums – but if you give a careful answer, you might see a saving
  • Non-fault claims If you’re in a car accident that wasn’t your fault, it’s natural to assume you won’t be left out of pocket - unfortunately non-fault claims are not always so straightforward. Here’s how they work and what you can expect if you need to make a claim.
  • Car Insurance CalculatorUse our guide to work out how much you should be paying for your car insurance and why
  • When is my car insurance due?Whether you pay monthly or annually for your car insurance, at the end of each year you have the choice to renew or take out a new policy. Here's a guide to how it all works.
  • Whiplash insurance claimsWhiplash damage can be painful and long lasting, but as it can also be easily faked, whiplash claims often come under scrutiny - it’s thought many claims are exaggerated or invented for financial gain.
  • Car insurance brokersWho are car insurance brokers? Find out what the pros and cons are of buying car insurance through an insurance broker
  • Why is car insurance so expensive?With premiums soaring to record highs, it’s little wonder so many of us feel our car insurance is too expensive. This article will help you discover how premiums are calculated and how you can get a cheaper deal
  • Named driver car insuranceAdding an experienced driver to your car insurance policy can help you get cheaper cover, but it might not be useful for everyone
  • Joint car insuranceJoint car insurance generally refers to either multi-car or named driver insurance, where you either have multiple cars or multiple drivers - or indeed both - on a single policy. Here’s how these policies work.
  • Personal accident coverPersonal accident cover can be a useful addition to your car insurance policy if you’re involved in a serious car accident - here’s how it works.
  • What is car insurance voluntary and compulsory excess? Car insurance excess payments are part of making a claim - it’s the amount you’ll pay towards the total cost before your insurer covers the rest. Here’s how voluntary and compulsory excess work, and how they can affect your premiums.
  • No claims bonus explainedGoing for at least a year without claiming on your car insurance policy can earn you a discount - here’s how they work and how you can build your no-claims bonus.
  • Does where I park affect my car insurance?Your car insurance premiums are affected by factors including where you park your car – see where the best and worst spots are
  • Car insurance and driving licencesThere are many different types of driving licence that let you drive on UK roads - here’s what they are and how they can affect your car insurance premiums.
  • Advanced driver coursesAdvanced driving courses can help you become a better, safer and more confident driver - and in some cases, they can help reduce your car insurance premiums
  • Car hire excess insurance explainedCar hire excess insurance can be a particularly useful policy to take out if you hire a car and need to claim on car insurance for it. Here’s how it works.
  • Can you insure a car you don’t own?You don’t have to own a car to get yourself insured on it – but you do need the owner’s permission. Here’s how you can insure a car you don’t own.
  • How does black box car insurance work?Telematics or black box car insurance allows insurers to monitor your driving habits, so by driving safely and sensibly you can earn cheaper car insurance premiums - here’s how it works.
  • Windscreen cover insuranceNot all car insurance cover windscreen repairs or replacements as standard - some will require you to buy it as an add on. Here’s how windscreen cover works and how you can claim for damage.
  • Car key insuranceCar key insurance can be a lifesaver if yours get lost, damaged or stolen - here’s how it works and how it can help you.
  • Can you have two car insurance policies for one car? You have to take out car insurance to drive your car in the UK, but there’s little point getting double insurance by buying more than one policy. Here’s why
  • Motor Legal ProtectionMotor legal protection can offer useful cover that isn’t included in standard car insurance - see if it’s worth the cost with our comprehensive guide to legal expenses cover.
  • Car insurance groups explainedUnderstanding car insurance groups and how they affect your premium can help you save money on your car insurance.
  • Car Insurance Group 9Cars in insurance group 9 are likely to be the cheapest makes and models to insure, so it’s a good place to start if you’re looking for affordable cover. But insurance providers consider other factors too - learn more about car insurance group 9 and what it could mean for your premiums.
  • Car insurance group 2Cars in insurance group 2 are likely to be the cheapest makes and models to insure, so it’s a good place to start if you’re looking for affordable cover. But insurance providers consider other factors too - learn more about car insurance group 2 and what it could mean for your premiums.
  • Car insurance group 1Cars in insurance group 1 are likely to be the cheapest makes and models to insure, so it’s a good place to start if you’re looking for affordable cover. But insurance providers consider other factors too - learn more about car insurance group 1 and what it could mean for your premiums.
  • Impounded car insuranceStandard car insurance might not cover you for retrieving your car from an impound lot - so you might need specialist cover. Here’s what you need to know about impounded car insurance.
  • Importing Cars to the UK: A Comprehensive Guide
  • Car insurance fraud
  • Understanding Car Insurance Group 13
  • Understanding Car Insurance Group 14
  • Understanding Car Insurance Group 15
  • Understanding Car Insurance Group 16
  • Understanding Car Insurance Group 17
  • New for Old Car Insurance
  • Understanding Car Insurance Group 19
  • Understanding Car Insurance Group 20
  • What Cars Are in Insurance Group 18
  • Car insurance and potholesPotholes causing you problems? If your car has been damaged by a pothole, here’s how to report the issue – and how to make a claim
  • Self-driving car insuranceIn this guide, we discuss everything you need to know about self-driving cars and car insurance, including the cost, types of cover, and more.
  • Can I teach someone to drive?Are you unsure whether or not you can teach someone else to drive in the UK? This guide helps answer all of your questions.
  • Kit car insuranceIf you’re building your own car you’ll need kit car insurance. Here’s everything you need to know
  • Business rates in the UKFind out everything you need to know about paying business rates in the UK in this helpful guide.
  • Where should you park your vehicle at night?We take a look at how where you park overnight affects your car insurance premiums. And identify the best and worst areas to park.
  • Car insurance group 12We help you understand what vehicles are in insurance group category 12 and who these cars might appeal to in this guide.
  • How to get your car started when there's a fault Trapped in your driveway because your car's let you down? Or perhaps you're stranded miles from civilisation with the same problem? Here's how to tackle the most common problems and get back on the road
  • Car insurance for drink driversDrink driving convictions doesn't necessarily mean you won't be able to get car insurance. But you should expect additional challenges. Here's what you need to know.
  • Checklist and tips for buying a used carCheck out our guidance and checklist to ensure you're getting the right second-hand car deal
  • What is a Car Tax Refund?
  • Test Driving a CarFollow our helpful tips and advice when it comes to test driving a car in this useful guide.
  • How to check if a car is stolenIn this guide, we discuss everything you need to know about how to check if a car is stolen before purchasing a vehicle and what to do if you've purchased a stolen car.
  • Transferring your car insurance when you change carsYou can transfer your car insurance to your new car – here’s what you need to know about how to do it, and whether it will affect your cover
  • Car insurance for international drivers in the UKYou need car insurance to drive in the UK, wherever you come from. Find out more with our guide to car insurance for foreign drivers
  • Family car insurance plansWe look at why it might be useful to add additional drivers or cars to your insurance policy, and how it could save you money.
  • Does car insurance cover pets in the car?Could taking your pet for a drive affect your car insurance? Our guide has everything you need to know about travelling with a pet
  • What happens if my car is written off?If your car is a write-off, it's no longer roadworthy and ownership of it is transferred to your car insurance provider. In this guide we'll explain the ins and outs of having a car written off and how your insurance can help.
  • Number plates explained Thinking about a personalised registration plate for your car? It might make your car stand out, but could it impact the cost of your premiums? Read our short guide to find out what car insurance providers make of them.
  • Driving with criminal convictionsIf you have a criminal conviction, your car insurance options are likely to be limited and expensive – even if your conviction isn’t related to driving. But it’s usually possible to find cover, with specialist insurers able to help
  • Performance car insuranceExtra-powerful cars come with extra-expensive car insurance policies, but as ever there are ways of cutting costs
  • No-deposit car insuranceThere’s no such thing as no-deposit car insurance, but you may be able to find other ways to keep your up-front costs low
  • Car security: Alarms, immobilisers and the impact on car insuranceWhen it comes to car security, there are a number of ways you can protect your vehicle, deter thieves and even lower your insurance premiums. This guide looks at the steps you should take.
  • How do I check if my car is insured?Car insurance is a legal requirement – even if your car just sits in the garage – unless your vehicle has been declared off the road
  • Courtesy car insuranceA courtesy car can come in handy if your car is being repaired and if you need a courtesy car with your breakdown cover. Here’s how being insured to get a courtesy car can help you stay on the road.
  • When does a car become classic? Are you unsure if you have a classic car? MoneySuperMarket’s guide explains what constitutes as a classic car and how this could affect your insurance premiums.
  • Car insurance invalidationIf you need to make a car insurance claim, the last thing you want is for your policy to be invalid – here’s how it can happen, and how you can avoid it
  • Car insurance speeding ticketsThe price of your car insurance will almost certainly rise if you get points on your licence or a speeding ticket
  • Classes of use and car insuranceSee how the way you use your car might affect the price of your insurance before comparing quotes with MoneySuperMarket.
  • Car insurance and credit checks: What you need to knowYour credit score can affect your car insurance quotes – and your car insurance payments can affect your credit score. Here’s what it all means for you.
  • What are Q plates?Q plates are issued for specific type of cars in the UK, including kit cars and radically modified vehicles. In this guide, we discuss everything you need to know about owning a Q plate vehicle.
  • Does car insurance cover vandalism?Cars and other vehicles got vandalised more than 155,000 times last year, according to the ONS. But when yours is one of them, can you claim on your insurance to cover the repairs?
  • Misfuelling cover: What to do when you use the wrong fuelPutting the wrong type of fuel in your car is surprisingly common – and you can cover yourself against it.
  • Does car insurance cover car seat replacements?There are lots of rules when it comes to children and car seats. Our guide explains what you need to know
  • Tips for driving on iceDriving on ice can be very dangerous, so it’s crucial that you are prepared and know what to do in advance when driving in icy conditions. Read our guide to find out how to drive safely on ice.
  • Car Insurance Group 11In this guide, we discuss everything you need to know about car insurance group 11 category and help you understand how your car insurance group affects the cost of your premiums.
  • Does your car insurance cover you for storm damage?Everything you need to know about whether your car insurance covers damage after a storm and how to claim if your car is affected
  • Speed Awareness Courses ExplainedIf you’re caught speeding, you may face a fine, points on your licence, or even a prison sentence. However, in more minor cases, you may be asked to attend a speed awareness course instead.
  • Taking a driving test in your own carIf you’re learning to drive in your own car, you may decide to take your practical test in it. This can make the experience easier, as it’s a car your familiar with, but you’ll need to check your car’s allowed before you arrive at the test centre.
  • Can your parents teach you to drive?If a parent is happy to take you out for some driving practice it can really help to build up your confidence and experience of driving, and could see you passing your test sooner. But before you set off, there are some learner driver rules you need to follow.  
  • What is a provisional licence?A provisional driving licence is the first thing you need when learning to drive and you’ll need it for your theory, hazard perception, and practical driving tests.   
  • The electric car insurance index The electric car insurance index
  • Car insurance FAQsThe most frequently asked questions about car insurance