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Lease Car Insurance

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Car insurance

Which car insurance brands do we work with?

Find cheap car insurance quotes and stay on the road with MoneySuperMarket

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Car leasing and insurance

When you lease a car, you pay a monthly fee to use a new car for a set period.

Although you don’t own the vehicle outright, you’re responsible for it until the end of your lease contract. As car insurance isn’t typically included as part of your contract, you’ll need to get car insurance separately.

Do I need lease car insurance?

Yes – if you drive a vehicle on the road, it’s a legal requirement to have car insurance.

As with any other car, you need to make sure you get cover every year.

What kind of insurance do I need for a lease car?

In most cases, you’ll be best off with fully comprehensive car insurance. This is the highest level of cover available – so, if you’re in an accident where you’re at fault, it’ll cover any damage to your car, as well as damage caused by your car. And if your car is written off or stolen, it’ll cover the cost of replacing the car.

With lease cars, you also need to consider whether your car is a personal contract hire or business contract hire:

  • Personal contract hire (PCH) agreement – The person taking out the agreement has to be the main policyholder or a named driver on the insurance document

  • Business contract hire agreement – The company or company director’s name will be on the insurance document

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How do I get an insurance quote for a lease car?

Getting an insurance quote for a lease car is the same as getting one for your own car. It’s quick and easy to compare quotes with MoneySuperMarket – some details you need to provide include:

  • 1

    Details and driving licence

    Including your job, age and your address, plus the same for named drivers. We'll also need to know the type of licence you have, how long you've had it, previous claims and driving history

  • 2

    Registered keeper of the car

    If you've leased a car, the registered keeper will be the car leasing company

  • 3

    No-claims discount (NCD) history

    Details of your no-claims discount will help lower the prices you get. Our no-claims discount tool shows you how many years’ no-claims discount your insurer will honour

  • 4

    What you'll use the car for

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

Will I be covered if I’m in an accident?

As long as you have car insurance, you should be covered. However, the level of cover you'll receive depends on your policy – for example, fully comprehensive cover offers more protection than third-party only.

If you're involved in an accident, get in touch with your insurer as soon as you can.

Our guide What to do after a car accident? has more information.

It shouldn’t be any more expensive to insure a lease car than one you own.

As with insuring your own car, there are several factors that affect the price of your insurance, including your age, your driving history, your job, your address, the car’s insurance group, and more.

No – typically, car insurance is not included in the leasing contract. You'll need to buy it separately.

If you have a personal contract hire (PCH) agreement, road tax will be included in the cost of your lease.

Plus, you usually have the option to add extras to your car lease agreement, including maintenance and servicing. Any add-ons you choose will be added as an extra charge to your monthly payments.

Yes, other people can drive your lease car – as long as they’ve been added as a named driver on your insurance policy and hold a valid UK driving licence.

If they've not been added as a named driver, they need to be insured to drive other cars.

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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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from. 

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.