Car Insurance

Compare car insurance quotes from a wide range of car insurance providers. through our Partnership with Quotezone, we aim to provide you with the best possible experience for you to find you the lowest car insurance prices in one place.

Frequently Asked Questions about Car Insurance

We have curated an extensive list of frequently asked questions (FAQs) from individuals who are seeking to insure their car. Our comprehensive list covers a wide range of topics related to car insurance, including the different types of insurance, factors affecting insurance costs, and how to choose the right insurance provider. Our goal is to provide our users with the information they need to make informed decisions about their car insurance options and to help them navigate the often confusing world of car insurance.

What is car insurance?

Car insurance is a contract between you and an insurance company that protects you financially in the event of an accident, theft, or other damage to your vehicle.

Is car insurance mandatory?

Yes, car insurance is mandatory in the UK. You must have at least third-party insurance to drive legally on public roads.

What types of car insurance are there?

There are three main types of car insurance: third-party, third-party fire and theft, and comprehensive. Third-party insurance is the minimum level required by law, while comprehensive insurance offers the highest level of protection.

How do I choose the right car insurance?

You should consider factors such as your budget, the level of protection you need, and any specific requirements you may have (e.g. for business use or a high-performance vehicle). You can use our comparison tool to compare quotes from multiple providers and find the best deal for you.

What factors affect the cost of car insurance?

The cost of car insurance can be affected by various factors, including your age, driving experience, occupation, location, the make and model of your vehicle, and your claims history.

Can I change my car insurance provider?

Yes, you can change your car insurance provider at any time. However, you should check the terms and conditions of your current policy to ensure that you won't be charged any fees for cancelling early.

What should I do if I'm involved in an accident?

If you are involved in an accident, you should exchange details with the other driver(s) involved and take photos of the damage if possible. You should also report the incident to your insurance company as soon as possible, even if you don't intend to make a claim.

How can I lower my car insurance premiums?

You can lower your car insurance premiums by increasing your voluntary excess, building up a no-claims bonus, and installing security features such as an immobiliser or tracker. You should also shop around for the best deal and avoid making unnecessary claims.

Do I need to inform my insurance company if I modify my car?

Yes, you should inform your insurance company if you modify your car in any way, as this could affect your coverage and premiums.

How much can I save on my car insurance?

If you have not already bought your car it may be worth looking to see what insurance group your car is first. The lower the insurance group means you will pay less on your car insurance.

This 2021 graph of the insurance groups and average cost on your annual premium may give you a general idea.

Car Insurance GroupAverage Yearly Cost.
1 to 10 £500 to £550
11 to 20 £550 - £600
21 to 30 £600 - £650
31 to 40 £750 - £800
41 to 50 £900 - £1000

What are the cheapest cars to insure?

Remember: It's worth noting that the actual cost of car insurance for a young driver who owns their car in the UK can vary significantly based on a range of factors. These include individual circumstances, such as location, no claims discount, driving history, and other relevant considerations. Therefore, it's important to keep in mind that your own personal situation may result in a higher or lower premium. Taking steps to build a safe driving record and comparing our insurance quotes from different insurers can help you find the best deal and potentially lower your insurance costs.

Discover the top-selling lowest insurance group cars of 2023. Our list offers a variety of options for those seeking vehicles with low insurance rates.

Top 10 cheapest cars to insureThe best-selling cars in 2023 allocated to the lowest insurance group (group one), both new and used cars.

How much does car insurance cost for a young driver?

Based on the latest data from the Consumer Intelligence Car Insurance Price index in June 2022, the typical cost of car insurance for 17-25 year-old drivers who own their vehicle in the UK is roughly £1669. This figure highlights the challenge that young drivers face when it comes to finding affordable car insurance, as insurers often view them as high-risk due to their limited driving experience. While this cost may seem steep, it's important for young drivers to prioritize having adequate insurance coverage to protect themselves and others on the road in the event of an accident.

I have just passed my test! Will I pay more as a new driver?

Car insurance can be costly for new drivers, especially those aged 17 to 25. Since they have less experience on the road, they're more susceptible to accidents, making insurers consider them a greater risk. Consequently, premiums for new drivers are generally higher due to the increased likelihood of claims being made and insurers having to pay out.

Remember you can also seperately compare van insurance from a whole range of insurance providers.

Well Known Insurance Providers

  • Budget insurance
  • Debenhams insurance
  • Daimond insurance
  • Hastings Direct
  • RAC insurance
  • Swift Cover
  • LVE insurance
  • MoreThan Insurance
  • Zurich life insurance

Disclaimer: Did you know 51% of consumers could save up to £359.61 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd's insurance comparison website. This is based on representative cost savings from November 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.