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Car insurance

Compare quotes and you could save up to £247[2]

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4.6 out of 5

Customer satisfaction rating on[3]

[1] Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

[2] 51% could save up to £247.29

Compare car insurance the easy way

We’re here to help you find the right insurance, at the right price. You’ll never pay more than you have to.

What cover do I need?

Car insurance can cover you for things like if your car is broken into or stolen, or if you’re involved in a collision.

As a minimum, it’ll cover other people and their vehicles (third parties) if you’re responsible for an accident. For example, if you damage their vehicle or they’re injured.

Exactly what you’re covered for depends on the type of policy you choose. Don’t just pick the cheapest option - compare and choose a policy that has the right level of cover for you.

Third party, fire and theft
Third party only

Fully comprehensive car insurance is the most extensive cover you can get.

It'll cover you for repair or replacement costs if your car’s damaged or written off, and also covers you if it’s stolen or catches fire.

As with other types of car insurance, you’ll be covered for claims made against you for people, passengers and their property.

All policies are different, so you’ll need to check you’ve got the cover you want before you buy. And that’s what we’re here to help with.

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Key points

  • The most extensive cover
  • They aren’t all the same - check policy details for cover levels
  • Sometimes comprehensive cover is cheaper than a third-party policy

Third party, fire and theft (TPFT) covers you if you’re responsible for damage to other people, passengers or their property because of a fault with your driving.

Your car’s covered if it gets stolen or damaged by fire too.

But if you’re responsible for an accident you won’t be covered by TPFT for repairs to your vehicle or any medical costs - you'll have to cover those yourself.

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Key points

  • You’ll be covered for injury to others, including passengers, and their property
  • If your car is stolen or involved in a fire, you’ll be covered
  • You won’t be covered for any damage to your car, or yourself, if you’re responsible

Third party only (TPO) is the most basic level of insurance you can get - and the lowest level of cover required to legally drive your car in the UK. Third party coverage is included in TPFT and fully comp policies, but it’s also available on it's own.

As a standalone product, it’ll cover you for damage to other people, passengers, or their property if you’re found responsible.

But there’s no cover for you or your car. If your car’s stolen, damaged or catches fire you won’t be able to claim back the cost.

If you drive without insurance you can be fined and have points added to your licence – you could even be taken to court. You’ll also find it very difficult to get car insurance in the future.

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Key points

  • The most basic level of insurance, and a legal requirement
  • Covers third parties, and their property. But not you, your property or your vehicle
  • Despite being the lowest level of cover, it’s not always the cheapest

How to get a car insurance quote

We only need a few details to get your car insurance quotes. Here’s what we’ll ask you for:

  1. Your usage

    Whether it’s social, commuting or business

  2. Your reg plate

    And some details about your vehicle

  3. Your annual mileage

    The distance you drive in a year

  4. Modifications and changes to your car

    You need to declare these

  5. Your car’s value

    How much your car is currently worth

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How could I get cheaper car insurance?

We’ve got 10 tips to get those premiums down

  1. Pay annually

    Paying upfront always works out cheaper than paying monthly

  2. Tighten your security

    Alarms and immobilisers reduce theft risk

  3. Avoid modifications

    Try not to make too many changes to your car

  4. Increase voluntary excess

    But make sure you can afford to, in case you need to claim

  5. Driving courses

    Get qualifications like Pass Plus or the advanced driving test under your belt

  6. Less miles

    The lower your mileage the less you’ll pay. But don’t underestimate your mileage - it’ll invalidate your insurance

  7. Park securely

    In a garage or on a driveway overnight

  8. Look out for add-ons

    Don’t pay for policy extras you don’t need or want

  9. Don’t ignore admin charges

    You might have to pay just to change your address, so factor these in

  10. Know what you’re buying

    The wrong insurance almost always costs more in the end

Don’t let your loyalty cost youLetting insurance renew without checking prices costs drivers a collective £592m a year[4]

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When you compare quotes with us, you can opt for us to send you a reminder when your annual insurance is up for renewal.

Upgrades and additional cover

Breakdown cover

This gets you and your car home or to the nearest garage if you break down.

Courtesy car

If you’re ever stuck without your vehicle, your insurer will provide a courtesy car to get you from A to B.

No claims discount protection

You can protect your no claims discount (NCD) so you won’t lose it after a claim.

Other add-ons

You can also get personal injury, windscreen and key cover as policy add-ons.

Looking for something else?

If you need more personalised cover or something other than standard, we’ve got lots of different insurance policies for you to pick from.

Telematics insurance

Telematics insurance policies use a black box or app that tracks your driving to calculate your insurance.

Find out more >

Insurance for new drivers

What do new drivers need to know when it comes to car insurance?

Find out more >

Car insurance for over 50s

Having a wealth of driving experience means car insurance for over 50s is usually cheaper - and there are insurers that offer specialised insurance too.

Find out more >

Multi-car insurance

If you’ve got more than one car you need to insure, multi-car insurance can work out easier and cheaper.

Find out more >

Classic cars cover

For additional cover - like spare parts, salvage retention and agreed value - protect your vintage with classic car insurance.

Find out more >

Shop around for car insuranceFind the right insurance at the right price - compare quotes with us

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Our trusted providers

We have over 120 insurers on our panel[5]

  • AA car insurance
  • Admiral
  • Churchill
  • esure insurance
  • Hastings Direct
  • LV insurance
  • Quote me happy
  • Tesco Bank
Meet our insurers

Over 10,000 customers rated us on average


[3]10,194 car insurance reviews on as of February 2019

Frequently asked questions

  • How does my job affect my car insurance?

    It might not seem fair, but your job title impacts your insurance quotes - it’s all about risk. Don’t change your job title to try and reduce the price of your quotes though, unless the new title genuinely describes your job accurately. Always be honest - if you lie you could invalidate your cover.

  • How do I work out my car’s value?

    Always give an honest valuation. A ballpark estimate’s okay because insurer’s usually pay out based on average market value. When you get a quote, we’ll help you by estimating what your car’s worth based on its age and mileage - but you can change it if it doesn’t seem right.

  • How do I estimate mileage?

    If you’ve had your car for over a year and you drive in a pretty regular pattern, you can look at previous MOT certificates or service records to work it out.

    Or, you can work out how many miles you drive in a typical week and multiply this by 52. Add a bit more if you need to for irregular journeys and extras, like long driving trips for holidays.

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Car insurance guides and tools

[1] Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs

[2]Price savings are based on independent research by Consumer Intelligence, conducted between 1 April to 30 April 2019: It compared 28 insurers from our panel and found 51% could save up to £247.29 with us on their car insurance

[4]Price savings are based on independent research by Consumer Intelligence, conducted between 1 April to 30 April 2019: It compared 28 insurers from our panel and found 51% could save up to £247.29 with us on their car insurance

Department for Transport’s ‘Vehicle Licensing Statistics: (April 2018)’ by the end of 2017 there were 37.7m vehicles licenced for use on the roads in Great Britain, 83% of which were cars - that's 31,291,000. 15% of motorists auto-renewed their car insurance policy at the last renewal without checking prices
15% of 31,291,000 motorists auto-renewed = 4,693,650
51% of those could have saved on their car insurance = 2,393,761
2,393,761 x £247.29 = £591,953,157, which we rounded up to £592m

[5]Last checked 13 March 2019

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