Car insurance
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Why compare car insurance with us?

Don’t pay more than you should for car insurance. Find the right insurance, at the right price, with us.

What cover do I need?

Car insurance can cover you for things like your car being 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 – compare policies to find the right one for you.

Third party, fire and theft
Third party only

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

If your car is damaged or written off, it’ll be covered for repair or replacement costs. It'll also be covered if it’s stolen or catches fire.

As with other types of car insurance you’ll have third party cover for claims made against you for people, passengers and their property.

Policies vary, so check you’ve got the cover you need before committing to buy.

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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 are responsible for damage to other people, passengers or their property as a result of your driving.

Your vehicle is also covered if it gets stolen or damaged by fire.

If you’re responsible for an accident you won’t be covered for repairs to your vehicle or any medical – you'll have to cover those yourself.

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Key points

  • You’ll be covered for injury to others, including passengers, plus 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 are found to be at fault

Third party only (TPO) is the most basic level of cover you can get - and you’ll need it to legally drive your car in the UK.

It’ll cover you for damage to other people, passengers, or their property if you’re found responsible.

Be warned – with this cover, if your car’s stolen, damaged or catches fire you won’t be able to claim for any costs.

If you’re caught driving without third party car insurance you could be fined, have points added to your license, or 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. 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

    Declare them now

  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 a lump sum almost always works out cheaper than paying monthly

  2. Tighten your security

    Alarms and immobilisers might help

  3. Avoid modifications

    Try not to make too many changes to your car

  4. Increase voluntary excess

    But make sure you have enough money to pay up, if you need to

  5. Driving courses

    Get some more qualifications like Pass Plus under your belt

  6. Less miles

    The lower your mileage, the less you could be paying but be accurate with your estimation

  7. Park securely

    In a garage or on a driveway overnight

  8. Beware of add-ons

    Any hidden extras lurking in your policy?

  9. Don’t ignore admin charges

    You might have to pay just to change your address

  10. Compare car insurance

    The simplest way to save is to shop around

Letting insurance renew without checking prices costs drivers a collective £592m a year[3]

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Upgrades and additional cover

You can upgrade your car insurance with optional extras.

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 motor, your insurer would 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?

There are a lot of options when it comes to choosing the right car insurance policy. We’ve gathered some of the car insurance policies you can get, if you want to find out more.

Telematics insurance

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

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

More experience means car insurance for over 50s may be cheaper.

Find out more >

Multi-car insurance

Insure two or more motors under one policy – is multi-car right for you?

Find out more >

Classic cars cover

Why should you get classic car insurance to protect your vintage vehicle?

Find out more >

Shop around for car insuranceSave precious time and money when you compare quotes with us

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Our trusted providers

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  • esure insurance
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  • LV insurance
  • Quote me happy
  • Tesco Bank
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Over 10,000 customers rated us on average 4.6/5


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

Frequently asked questions

  • How can your job affect your car insurance?

    It might not seem very fair, but your job title could have an impact on your premiums as well as what you’re using the car for. Always be honest and choose the job title that most accurately describes what you do.

  • How do I work out my car’s value?

    Always estimate your car’s value honestly, but an approximate estimation is usually fine as an insurer will typically base a pay-out on market value. When you get a quote, we’ll help you by estimating your car’s value for you 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 your usage remains similar, check previous MOT certificates and/or service records.

    Alternatively, calculate the number of miles you drive in a typical week and multiply this by 52, factoring in regular journeys and extras such as long annual trips abroad.

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