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Ford car insurance

Get cheap car insurance quotes for your Ford now

How much does it cost to insure a Ford?

It depends on a few things, including the make and model of your Ford and which insurance group it falls into.

The Association of British Insurer’s (ABI’s) Group Rating System categorises all cars into one of 50 different insurance groups according to their risk, to help insurers work out how much to charge for policies.

Small, cheaper and lower powered cars fall into the lowest insurance groups. More expensive, powerful cars - seen as a higher risk - are put in higher insurance groups.

You can use our car insurance group checker tool to find out which group your Ford car falls into, giving you an idea of how much it might cost to insure.

Other things insurers take into account when calculating your premiums include:

  • Where you live
  • Your driving history
  • Where you keep your vehicle overnight
  • Your annual mileage
  • Your job
Insurance for ford cars

What type of car insurance do I need?

There are three types of car insurance, each offering different levels of cover.

  • Third party only (TPO): This is the legal minimum level of insurance you can have in the UK. It covers the costs of damage or injury you cause to other people, their vehicle or property when driving. Your car won’t be covered if it’s damaged or stolen
  • Third party, fire and theft (TPFT): It covers damage or injury to other people, their vehicle or property, plus your Ford is covered for repairs or replacement if it gets stolen or damaged by fire
  • Comprehensive: This is the highest level of cover and includes everything included in TPFT cover, as well as repair or replacement costs if your Ford is damaged or written off and it’s your fault. Comprehensive policies aren’t necessarily the most expensive, so always compare prices

Features that are included as standard on insurance policies differ. If your Ford car insurance policy doesn’t have something you need, you could buy it as an optional extra.

Commonly available extras include:

  • Personal accident cover - Pays out if you have a serious injury or are killed in an accident. It covers loss of income and other expenses your family may incur. Also known as personal injury cover
  • Motor legal protection - Helps cover the costs of legal expenses if you want to claim compensation for a motoring accident that wasn’t your fault
  • Breakdown cover - Will help pay for recovery if your vehicle breaks down or needs repairing on the roadside
  • Windscreen cover - Provides cover if you need to repair or replace the glass on your vehicle
  • Courtesy car - If your Ford is written off or being repaired, you’ll be provided with a courtesy car until it’s replaced or returned

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Who is Ford?

Henry Ford formed the Ford Motor Company in Detroit in 1903. His dream was to ‘put the world on wheels’ and produce affordable vehicles for all.

In the beginning, just a few cars a day were produced at the company. But, in 1913, Ford revolutionised car production by creating the first moving assembly line to manufacture the Ford Model T. It paved the way for mass car production, which helped lower the price of cars and widen the market.

Nowadays, Ford offers a range of vehicles to suit different budgets and lifestyles, from the Fiesta to the Puma, as well as electric car options.

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