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Compare car insurance the easy way

We want you to find the right insurance at the right price – sometimes that’s the cheapest, but not always. Whatever you do, don’t pay more than you should. Find car insurance quotes from insurers that’ll cover every journey, whether that’s a commute, school run, or drive overseas.

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.

Find out more

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

What’s my car insurance going to cost?

Insurers try and work out how likely you are to make a claim on your car insurance - and that's what sets the price.

On average, car insurance costs about £750. That's according to our data - we checked quotes done with us between January and May 2019.*

But it varies between cover types. The average price of a comprehensive policy was £532. But for third party only (TPO), it was almost double at £956.

These are just averages though - your quotes will depend on a lot more than just the cover type you choose. Your age, the car you drive, mileage and driving history all play a part.

New and young drivers, be prepared to pay more. To insurers, you pose the most risk of having an accident, so your premiums will be higher. The average fully comp quote for 18-24 year olds was £1,042.[4]

How much car insurance costs by cover type

Compare car insurance quotes in minutes

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

  1. Your usage

    Compare social, commuting or business car insurance

  2. Your reg plate

    The make, model and year of your vehicle

  3. Your annual mileage

    The distance you drive your car in a year tells the insurer about your driving habits

  4. Modifications and changes to your car

    If your car’s changed from the manufacturer’s standard, you need to declare it

  5. Your car’s value

    How much your car is currently worth helps insurers calculate the cost of your premium

  6. Driver details

    Your age, occupation, address, licence type and driving experience

Get £250 excess cover with your car insurance. For free. On us.[1]

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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, because there’s no interest or finance arrangement fee

  2. Tighten up your security

    Alarms and immobilisers reduce theft risk. Look for Thatcham-approved devices, they’re more likely to be recognised by insurers

  3. Avoid modifications

    Try not to make too many changes to your car - you’ll end up paying extra to cover the cost of repairs or replacement

  4. Increase your voluntary excess

    It’s what you offer to pay on top of your compulsory. Keep it affordable though, in case you need to claim

  5. Driving courses

    Get qualifications like Pass Plus or the advanced driving test under your belt – more experienced and reliable drivers pay less

  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 is far safer than on a street away from home

  8. Look out for add-ons

    Don’t pay for policy extras you don’t need or want, they all add up. And if you pay monthly, you’ll pay interest on them too

  9. Don’t ignore admin charges

    You might have to pay just to change your address, so factor these in, and check your details are right before you buy your policy

  10. Know what you’re buying

    The wrong insurance almost always costs more in the end. The smallest things can invalidate your cover, leaving you with a hefty bill if you try, and fail, to claim

Helping you find the right insurance

If your insurer has sent you a renewal offer, don’t just settle for it - it’s almost always the most expensive option. Compare and see if you could save by switching. You’ll usually get your best prices around three weeks before your car insurance is due for renewal.
Matt Oliver - Car insurance expert

Upgrades and additional cover

Some insurers will include them as standard, or you can pay extra to add them to your policy - think about which ones you really want or need before you buy.

Breakdown cover

This gets you and your car home or to the nearest garage if you break down. You can choose from three levels of cover - Roadside assistance, roadside assistance and recovery or roadside, recovery and home start. It’s usually cheaper to buy your breakdown cover separate from your car insurance though. Make sure you’re getting value for money by comparing it separately.

Courtesy car

If your car’s damaged because of an accident, your insurer can provide a courtesy car to get you from A to B while it’s being repaired - you’ll have to use their approved repairer. Watch out for exclusions. If your car is stolen or written-off, you might not be offered a courtesy car.

No claims discount protection

For every year you drive claim-free, you’ll get a discount on your car insurance. It’s valuable and has such an impact on the price of your insurance that you can protect it. That way, if you need to claim, it won’t impact your discount. Some insurers protect it entirely, others only reduce it by a year or two – it varies.

Personal injury

Personal accident compensates you for injuries caused by a car accident. The claim limit varies between insurers, and other drivers and passengers are sometimes covered too. You'd only claim on personal accident cover if the accident is your fault. That’s because if an accident isn’t your fault, the at-fault person’s insurer will pay out for any personal injury claims.

Legal expenses

If you’re involved in an accident, and it’s not your fault, legal assistance helps you claim from the person responsible. It’ll also help defending a claim brought against you. Generally, unless the insurer thinks you’ve got more than a 50% chance of success, they won’t cover the cost of legal fees. Claim limits also vary between insurers.

Windscreen repair and replacement

Covers the repair of chips and cracks to your car’s windscreen – sometimes it’s a free extra. It can also cover the replacement of your windscreen if it can’t be repaired, but you might have to pay a small excess.

Lost or stolen keys

If you lose your keys, or they get stolen, lost key cover can help cover the cost of replacing them. Getting high-tech keys replaced can easily run to hundreds of pounds these days, and that’s without your vehicle being stranded or needing a hire car in the meantime.

Don’t let your loyalty cost you Letting insurance renew without checking prices costs drivers a collective £592m a year[5]

Get a quote

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

Your cover options

If you need anything other than standard car insurance, 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?

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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

Multi-car insurance can work out easier and cheaper if you’ve got more than one car to insure.

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Business car insurance

If you use your car for work, you’ll need the right car insurance to be properly covered. There are three different classes of business use you’ll need to pick from.

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Classic car cover

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

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Short-term car insurance

If you only need to drive every now and again. or for less than a month, short-term car insurance could work out cheaper than being put on a policy.

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European car insurance

To drive in Europe, and further afield, you’ll usually need to add cover to your car insurance.

Find out more

Learner driver insurance

Learner drivers have a few options for getting covered before taking their test – whether that’s in your own car, or someone else’s.

Find out more

Trusted providers on our panel

Compare quotes from over over 120 insurers[6]

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

Over 10,000 customers rated us on average

4.6 out of 5

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

You could save up to £240 on your car insurance[2]

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 my annual mileage?

    This means the total mileage for the car, so you need to include miles for all drivers who use it.

    You want to get this right - it makes a big difference to the price you’ll pay for your insurance. Overestimate your mileage and you’ll end up paying more. Underestimate and you could invalidate your policy.

    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

    Use our annual mileage calcuator to help work it out. Use it as a base, then add a bit more if you need to for irregular journeys and extras, like long driving trips for holidays.

  • How long is my quote valid for?

    Insurers can change their prices at any time. Some use ‘real-time’ pricing and others will honour the price they offer for anywhere between 10 and 30 days. When you get quotes with us, we can’t guarantee you’ll get the same price if you come back later - your quote could go up.

    It usually pays to get quotes a few weeks ahead, and lock in a good deal early.

  • Can I drive someone else’s car?

    Sometimes, but it depends on what cover you’ve got and how much experience you have driving.

    Some insurers offer cover to drive other cars as part of fully comprehensive policies, but its rarely a feature of third party or third party, fire and theft – and is often written out of policies for young or inexperienced drivers.

    Check policy docs to be certain. Often, it’s only supposed to be used in emergencies, rather than everyday driving. If you’re in any doubt, just call the insurer and ask.

  • Do I need a credit check to get car insurance?

    That depends on if you want to pay for your insurance annually or monthly.

    If you choose to pay monthly for your car insurance the insurer will usually do a ‘hard search’, which can leave a mark on your credit score. You’re asking for credit, and basically taking a loan, so they do have to run affordability checks.

  • I had to claim last year, will my insurance go up?

    Unfortunately, if you claim on your insurance, your premiums usually go up the next year.

    If you’ve had, or caused, any accident or damage in the last five years, you need to let insurers know. Even if you didn’t make a claim and regardless of blame.

  • Will I be charged if I cancel my policy?

    If you cancel your policy within the cooling-off period you’ll be refunded, less any time you’ve been covered for already. Some insurers will charge an admin fee for this.

    When you’re charged for any cover you’ve already had, it’ll be charged pro-rata, so a fair proportion of the entire annual cost of your policy

    Cancelling outside of the cooling-off period isn’t much different. Some insurers charge a cancellation fee, others don’t. Any refund you get will be based on the number of days’ cover you’ve already had.

  • What’s an adjustment fee?

    It’s a fee for making changes to your policy, for example changing your address, your car or adding a driver. Most insurers charge these fees.

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Get £250 excess cover with your car insurance. For free. On us.[1]

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

[2] Price savings are based on independent research by Consumer Intelligence, conducted between 1 August to 31 August 2019: It compared 28 insurers from our panel and found 51% could save up to £240.04 with us on their car insurance

[3] 13,522 customers rated us 5* on as of February 2019

[4] Average cost of comprehensive car insurance  where the main driver is aged between 18-24 bought through GoCompare in June 2019

[5] Price savings are based on independent research by Consumer Intelligence, conducted between 1 August to 31 August 2019: It compared 28 insurers from our panel and found 51% could save up to £240.04 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

[6] Last checked 17 September 2019

*Average cost of annual car insurance by policy type purchased in May 2019 via GoCompare

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