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How fully comprehensive car insurance has your back
Fully comprehensive insurance includes everything that third party fire and theft does, but you'll also be covered for your own losses, even if you're found to be at fault. Fully-comp might also include flood damage, windscreen cover, personal effects, accidental damage and medical expenses, but remember to set your excess at a level you can actually affordAmanda Bathory, GoCompare insurance editor
Does my car insurance offer cover for flood damage?
Drivers with third party only or third party fire and theft policies will not be covered for flood damage, but those with fully comprehensive policies may be. A third-party policy is sometimes cheaper than comprehensive cover, but it's essential that drivers know exactly what is and isn't included, especially if they're at risk of flood damageScott Kelly, car insurance expert
Drivers warned of dangers of 'fronting'
Fronting is when a lower risk driver insures a vehicle in their name when the main driver is from a higher risk category. This could invalidate insurance and lead to a criminal record. There are legal ways to reduce premiums for young drivers... instead of fronting parents should consider adding themselves as a named driver on their offspring's policyScott Kelly, car insurance expert
Have you got adequate cover for the contents of your car?
The purpose of motor insurance is to give financial protection for your vehicle, not the stuff you keep inside it. Cover for personal belongings is typically limited to fully comprehensive policies and restricted to around £100. If you need to leave valuable items in your car, make sure they are out of sight and locked in the bootScott Kelly, car insurance expert
Can I compare quotes for my double cab pick-up?
Although double cabs, such as the Nissan Navara or Toyota HiLux, are often used as family vehicles, they are classed on our system as light commercial vehicles due to their dual purpose (business and social use). You can compare quotes for this type of vehicle by visiting our van insurance comparison, rather than our car insurance comparison
Comparing car insurance could mean serious savings
Letting your car insurance auto-renew without checking for cheaper quotes can be a really expensive mistake. It's so easy to enter or update your details - including extra drivers and past claims - and get a bonanza of fresh prices for the year ahead. Fast, simple and clearAmanda Bathory, insurance editor
What does the ECJ gender ruling mean for women drivers?
The European Court of Justice's gender ruling - in force from 21 December, 2012 - has meant that insurers can no longer make a gender distinction when calculating premiums. Amongst many changes, this has led to an increase in prices for young female drivers, who traditionally paid less than young menSean Davies, Gocompare.com
Quickly compare cheap car insurance quotes
Car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.
Fortunately, calling round dozens of insurers for a quote has been consigned to history - with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.
What details do I need to get a car insurance quote?
If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.
Then you just need a few other details to find a car insurance quote:
The value of your car
Find out what your car’s worth so insurers can calculate a realistic premium.
How long you have held your licence
If you have a number of years of claim free driving, you may find your car insurance is cheaper.
The type of driving licence you have
Tell us if you have a full or restricted driving licence to help calculate the cost of your insurance.
No claims bonus
Read through your latest renewal letter from your current insurer to find proof of your number of years no claims
The number of miles you drive can indicate bags of experience on the road. Tot up your mileage or look at your latest MOT and service certificates.
Your job may affect your car insurance because it tells an insurer about your risk on the road.
Social, commuting or business driving
Whether you’re visiting family and friends, or on the road for business reasons can push your premium up and down.
Second or named drivers
Provide the licence details of second drivers, or any additional drivers to get an accurate quote.
Accidents and claims
You will also need to make us aware of any driving convictions, disqualifications, or points on your driving licence.
Which car insurance is right for me?
There are heaps of car insurance policies to choose from, all priced differently based on your circumstances and the level of cover you need.
Comprehensive car insurance
Policies vary, but this is usually the highest level of protection for you, your vehicle, other cars, property and passengers, plus any claims made against you.
Third party fire (TPFT) car insurance
These policies cover you if you injure passengers, another person, or if you damage another car or any property owned by someone else.
Theft or third party only car insurance
You may notice it’s cheaper to buy theft or third party only insurance. That’s because it offers minimal protection required by UK law. It usually covers injury to others and damage to property.
Not forgetting black box, multi-car, learner, classic car, and sports car insurance, plus many more
Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:
- Choose your voluntary excess
- Opt to protect your no-claims bonus
- Decide whether to pay monthly or annually
Change any of these and you'll get a fresh set of prices to fit your new answers.
Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.
You don’t need to take our word for it either - when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.
Top tips for finding cheaper car insurance
There’s no magic formula for getting a cheaper car insurance quote because every insurer will tailor the cover to your specific needs.
However, by just deciding to compare car insurance, you’ve taken the first step to find a quote that’s right for your driving habits and budget.
By visiting a price comparison site and comparing car insurance policies, you may save up to £279 especially if you’ve followed our top tips for cheaper car insurance, such as:
- Limiting your mileage
- Pay for your insurance annually
- Ramp up your car’s security features
- Increase the excess
- Build up your no claims discount
So, what are you waiting for?
If you have a burning question about the type of car insurance you need, and how to find a cheaper policy, we can give a helping hand there too.
We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.
Did you know...?
- 67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums
- 32% of drivers have been with their current insurer for three years or more
Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.
There's also plenty to read and delight on wider motoring issues.
Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips - peruse at your leisure.