Car Insurance
Learn how car insurance works, the levels of cover available, and what to consider so you can drive with confidence on UK roads.
What is car insurance?
Car insurance is a legal requirement for anyone driving on UK roads. It is there to help if you cause damage to other people, their vehicles or their property. Depending on the level of cover you choose, it can also help if your own car is damaged, stolen or affected by fire.
A car insurance comparison service can help you look at different options side by side, so you can find a policy that suits your needs and budget.
Ready to get a free quote and compare your car insurance options?
Types of car insurance
Compare car insurance quotes from over 130+ UK providers.
Third party
Covers the cost of any damage to a third party’s vehicle or property if you are involved in an accident and you were at fault.
Third party, fire & theft
Covers the cost of any damage to a third party and will also pay out if your own car is stolen or damaged by fire.
Fully comprehensive
Covers everything in third party, fire & theft, and the cost of repairing or replacing your vehicle in an incident even if no other car, or an uninsured car, was involved.
What can car insurance cover?
Damage to other vehicles
Fire damage to your car
Personal accident cover
Injury to other people
Theft of your car
Your legal liability to drive on UK roads
Damage to your car in an accident
Windscreen cover
Hugo’s helpful notes:
The scope of coverage is dependent on the insurance provider you choose. Please carefully read insurance policy wording to understand what is covered and what is excluded in your car insurance policy.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers which result in a policy being purchased.
FAQs
Got questions about car insurance? Here are some of the most common ones.
How can I get cheap car insurance?
You may be able to lower the cost of your car insurance by:
- Comparing quotes from more than one insurerChoosing a car in a lower insurance group
- Parking somewhere safer, such as a garage or driveway if you have one
- Considering a higher voluntary excess, if you can afford it
- Building up a no-claims history
- Time your renewal correctly
Price is important but always check that the cover still suits your needs.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers which result in a policy being purchased.
The information contained within this page is for editorial purposes only and not intended as financial advice.
Read moreWhat details do I need to get a car insurance quote?
You’ll need a few key details to get a car insurance quote.
Start with the car: either the registration number, or the make and model. You do not have to own the car yet, so you can get quotes for a vehicle you plan to buy.
You’ll also be asked about your driving history, such as how long you’ve been driving and any past accidents, speeding fines or convictions.
If you want to use a no-claims bonus, you’ll usually need to provide proof after you accept a quote. Your current insurer should be able to send this to you. Alongside standard personal details, you’ll be asked how you plan to use the car and your estimated annual mileage. Insurers may ask a few extra questions to make sure the quote is as accurate as possible.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers, which result in a policy being purchased.
The information contained within this page is for editorial purposes only and not intended as financial advice.
Read moreShould I pay my car insurance monthly or annually?
What policy upgrades should I consider?
Common extras you may want to look at include:
Breakdown cover
Courtesy car cover
Legal expenses cover
Personal accident cover
Protected no-claims discount
Windscreen cover
Not everyone needs every extra, so it’s worth checking what matters most to you and what is already included as standard.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers, which result in a policy being purchased.
The information contained within this page is for editorial purposes only and not intended as financial advice.
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