Car Insurance

Car insurance

Compare over 110 insurance providers

Car Insurance

Over 110 trusted car insurance providers

Budget Car Insurance
Axa Car Insurance
Rac Car Insurance
Admiral Car Insurance
Swinton Insurance
Hastings Direct

Why compare car insurance with Comparoo?

Our car insurance comparison service is fast and straightforward. Simply enter your information to check if you can find a cheap car insurance quote for your new car or beat your current insurance provider’s renewal quote. We compare some of the best car insurance providers to get you the best deal.

What do I need to get a car insurance quote?

To get a car insurance quote, we will need to know:

1. Your car and how you use it
Type in your registration number or the car’s make, model and age. We will need to know if you will be using your car for pleasure or business and how many miles you drive a year.

2. Your details
We need to know your name, age, address, job, and industry type, and also the same details for any other drivers you want to add to the insurance policy.

3. Your driving and your licence
Let us know about your no-claims discount (NCD) if you have any, and also your driving history. If you can provide your driving licence number it could also reduce your insurance premium with some insurance companies.

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Car insurance tools, tips and guides

Our car insurance comparison service has earned excellent customer reviews for being impartial and beneficial. With extensive market cover, it is an excellent option for comparing car insurance prices.

Car insurance tools

Car insurance tips and guides

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What is car insurance and why do I need it?

Car insurance is a legal requirement in the UK and it is designed to provide financial protection for the policyholder in the event of an accident. It covers the cost of damage to the policyholder's vehicle, as well as any third-party property or injuries that may result from an accident.

There are several types of car insurance available, including third-party only, third-party fire and theft, and fully comprehensive. Third-party only covers damage to third-party property and injuries, while third-party fire and theft also covers the policyholder's own vehicle in the event of fire or theft. Fully comprehensive insurance provides the highest level of protection and covers damage to the policyholder's own vehicle as well as third-party property and injuries.

When looking for car insurance, it is important to compare quotes from multiple providers to ensure that you are getting the best deal. By comparing quotes, you can identify the provider that offers the best cover at the lowest cost. This can help you to save money on your car insurance premium.

One way to compare car insurance quotes is to use a comparison website like Comparoo. Comparoo allows you to compare quotes from over 110 insurance companies, saving you time and effort. Comparoo can save up to £504* on your car insurance premium.

When comparing car insurance quotes, it is important to consider several factors in order to find the best deal. Some of the key factors to consider include:

  • Coverage: Make sure that the cover offered by the insurance company meets your needs. Consider the type of cover you need, such as third-party only, third-party fire and theft, or fully comprehensive. Also, consider the level of cover, such as how much the policy will pay out in the event of an accident.

  • Excess: The excess is the amount of money that you will need to pay out of your own pocket in the event of making a claim. Make sure to compare the excess amount across different providers to find the best deal.

  • Discounts: Many insurance companies offer discounts for a variety of reasons. Some providers may offer discounts for safe driving, while others may offer discounts for having multiple cars insured. Be sure to check for any discounts that you may qualify for.

  • Add-ons: Some insurance companies offer additional cover such as breakdown cover, legal protection, and no claims bonus protection. Be sure to check if these add-ons are included in the policy and if so, the cost associated with them.

  • Financial stability: It is also important to ensure that the insurance company you are considering is financially stable. This can be done by checking the company's credit rating or by looking at customer reviews.

By considering these factors and using a comparison website like Comparoo, you can be sure to get the best deal on your car insurance. Comparoo allows you to compare quotes from over 110 insurance companies, providing you with a wide range of options to choose from. By comparing quotes, you can find the provider that offers the best cover at the lowest cost.

What type of car insurance do I need?

The level of cover you need will determine the type of car insurance you require.

How can I get cheaper car insurance?

Build a no-claims discount (NCD)

By avoiding making claims for little things by paying for the repairs yourself, you can earn a discount on your premiums – the longer you go without claiming, the more NCD you will build and the bigger the discount you should get.

Do not modify your car

Modifying your car will increase the cost of your insurance policy as it is often more expensive to repair and spare parts are harder to get, so you’ll likely pay a premium to cover these.

Consider getting a black box

Telematics or black box car insurance policies provide an opportunity for younger or inexperienced drivers to potentially lower their premiums by demonstrating safe driving habits.

Do not auto-renew

It is common for car insurance policies to renew automatically at the end of their term, however, by comparing quotes online, drivers have the opportunity to compare and save money.

Pay your insurance annually

While paying for a car insurance policy in one annual lump sum may appear as a large initial expense, it can ultimately result in cost savings compared to paying monthly installments.

Compare with Comparoo

With Comparoo, not only will you be able to compare great car insurance deals, but we also send a reminder to you to compare the latest quotes a month before the end of your current policy.

How much does car insurance cost?

Car insurance premiums are determined based on the level of risk the insurance provider assumes. This calculation takes into account various factors, including the value of your car, how much it would cost to replace or repair, and the likelihood of it being stolen. Additionally, the insurer considers your driving habits, including your likelihood of driving responsibly and the number of miles you typically drive.

For drivers in the UK, the typical monthly and annual cost of car insurance can vary, depending on these factors. Interest is not included in the following estimates:

£629/year 

£52.38 per month

For comprehensive cover

£314/year 

£26 per month

For over 50's

£290/year 

£24.17 per month

For over 60's

£313/year 

£26.08 per month

For over 70's

£581/year 

£48.42 per month

For learner drivers

£1,354/year 

£112.83 per month

For young drivers

Does anything affect the cost of car insurance?

There are many things that can influence the cost of your car insurance premiums. It's crucial to think about these factors before purchasing a vehicle. You need to make sure that the car you want is affordable and that you can afford the insurance cost as well.

  • Making a claim - When you make a claim on your car insurance, your premium will go up. This is because the insurance company sees you as a higher risk, based on past experience, that you are more likely to make a claim. However, if you don't make any claims and maintain a no-claims discount, your annual premium will be lower.
  • Age - Your age is a significant factor in determining how expensive your car insurance will be. Generally, older drivers pay less than younger and new drivers because they are seen as more experienced and less likely to take risks on the road. This makes them less of a liability for insurers. If you are a new driver, your insurance premium is likely to be very high. However, as you get older and make fewer claims, your premium will decrease.
  • Profession - Your profession also matters when it comes to assessing your car insurance policy. Some jobs are seen as riskier than others and may make you more likely to make a claim on your insurance. If your job is considered safe, your insurance premium will be lower.
  • The amount you drive - If you spend a lot of time driving, you are more likely to pay higher insurance premiums. This is because you have a higher chance of getting into an accident compared to someone who drives less. You can reduce your mileage and lower your premium by choosing to commute to work using public transport instead of driving.
  • Location - The place where you live and how you store your car can affect how much you pay for insurance. If you live in an area where there are fewer insurance claims, your car insurance will be cheaper. However, if you live in an area where there are more claims, your insurance will be more expensive. Insurance premiums will also be affected by whether you park your car on the street or in a garage with a door that can be locked, as parking on the street is considered riskier and will increase your insurance premium. Use the postcode car insurance checker to see how much your premiums are going to be.
  • Criminal convictions - Having past criminal convictions can increase the cost of your car insurance. This could be due to points on your driving licence, such as speeding tickets. Insurers consider this as a higher risk, and as a result, your premiums will likely be more expensive.
  • Additional drivers - When you add another driver to your car insurance policy, it could lower your premium. However, it only works if the extra driver is considered "experienced" and has a no-claims discount.

Learn more about how your car insurance is calculated.

How much can you save on your car insurance?

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Compare Car Insurance Quotes in the UK

When you want to get insurance for your car, you want to make sure you get the best cover for the least amount of money. So, it's really important to compare car insurance quotes from different insurance companies to make sure you get the best deal.

You can use Comparoo to compare car insurance really easily, and you'll save money and be covered in minutes. Sometimes, comparing car insurance can be confusing, so we made this guide to help you understand it better.

What are the different types of car insurance?

There are different types of car insurance, and each type provides a different level of cover. The premiums for each type also vary based on the additional cover they offer. So, it's important to think about what type of cover you need before choosing a car insurance plan.

Third-Party car insurance

In the UK, third-party car insurance is the minimum level of cover that a driver can have, but it's not always the cheapest option. This type of insurance only covers the cost of damage that you cause to other drivers and their vehicles if you're in an accident. If you have third-party insurance, it won't cover the cost of repairing or replacing your own vehicle.

Third-Party, Fire & Theft car insurance

Third-party, fire, and theft insurance provides the same cover as third-party insurance, but it also covers your car if it gets stolen or damaged by fire. However, it's important to remember that this type of insurance doesn't cover the costs of repairing your car if you get into an accident.

Comprehensive car insurance

Fully comprehensive car insurance provides the most extensive and highest level of cover for drivers. It includes cover from all other policy types and physically protects the driver. For instance, fully comprehensive car insurance may cover medical treatment and legal costs. Although it offers the highest level of cover, it can still be affordable. You can use Comparoo to compare fully comprehensive car insurance and see how much money you can save.

What are the different levels of car insurance cover?

Car insurance comes in various types, and each provides a distinct level of cover. The premiums for each type also differ based on the additional cover they provide. Therefore, it's crucial to consider the type of cover you require before selecting a car insurance plan.

Short-term car insurance

Short-term car insurance cover is a temporary type of car insurance that provides cover for a short period of time as agreed upon. Usually, it lasts between 24 hours and a month. This type of cover is ideal for people who need to borrow or share a vehicle temporarily.

Car insurance abroad

When you use a car outside the UK, you need a different level of cover than what standard insurance provides. Make sure you have the right type of cover for the country you'll be driving in. This option is ideal for people who take their car with them on a family holiday abroad.

Excess protection

"Excess protection" cover will keep the same excess amount that you would have to pay, even after making a claim on your insurance. This cover ensures that you don't have to pay more if you're in an accident.

Black Box car insurance 

Telematics or Black Box car insurance can adjust your premium based on your driving habits. A black box device installed in your car can monitor how you drive, and assess the likelihood of you making an insurance claim. This type of cover is particularly useful for new or young drivers who want to reduce their insurance costs.

Multi-car cover

Multiple car insurance cover enables you to insure multiple cars and vehicles at a single address using a single policy. Insuring multiple cars under a multi-insurance policy is more cost-effective than insuring them individually. Multi-car insurance is a great option for households seeking to save money by insuring all their vehicles under a single policy.

How do I insure different types of cars?

The cost of your insurance depends on the type of car you have and any modifications made to it. Some car types may cost more to insure than others. It is crucial to consider this before purchasing a car, as it can impact its affordability in the long run.

Standard car insurance

Insurance providers classify cars under 15 years old as "standard cars," which are typically the easiest and most affordable to insure. You can compare standard car insurance rates and get an instant quote through Comparoo.

Imported car insurance

You can buy cars from around the world and bring them to the UK, but it can be more costly to insure them. Import car insurance is more expensive due to the need for UK car specifications, which can make it difficult for insurers to evaluate. It is crucial to get an imported car insurance quote before purchasing the car to determine if it is affordable.

Sports car insurance

Sports cars can be an attractive option for buyers, but they are also appealing to thieves. Sports cars are more frequently stolen compared to standard cars. Additionally, drivers of sports cars often drive them faster, which increases the risk of accidents. These factors contribute to a higher and more expensive insurance premium for sports cars.

Electric car insurance

Electric cars have become increasingly popular due to their eco-friendly approach to travel, which appeals to many people. However, it is important to note that insuring an electric vehicle can be expensive. The high premium is often due to the advanced technology used to create these cars, which can be costly to repair if damaged.

Modified car insurance

In recent times, it has become easier to modify cars to suit personal preferences. However, modifications to a car's performance or appearance can lead to higher insurance premiums. Certain modifications can increase the risk of making an insurance claim, which can result in higher premiums.

How do I decrease the cost of my car insurance?

Running a car can be expensive, so it's important to save money on car insurance whenever you can. Fortunately, there are several ways to do this. One of the best ways is to compare prices from over 110 insurance providers using comparison sites such as Comparoo to get the best deal and save money.

Pay a lump sum annually

Paying your car insurance premium in one go at the start of the policy is cheaper than paying monthly through direct debit. Monthly payments come with an added interest fee, making your insurance more expensive overall. If possible, it's better to pay the premium upfront in one lump sum to save money.

No-claims discount

If you don't make any claims, you can get a no-claims discount on your car insurance. This means that you can get a lower price on your insurance each year. The longer you go without making a claim, the bigger the discount you can get. This shows that you are a safe driver, and the insurance company will charge you less.

Do your research before buying a car

Before purchasing a new car, it's crucial to do your research on the total running costs, such as fuel expenses and insurance premiums. Take into account your situation and how it may impact your premiums. For instance, younger drivers may manage monthly car payments but may struggle to cover higher insurance costs.

Installing a Black Box

Putting a "Black Box" or telematics in your car is a simple way to lower your insurance costs. Especially if you're a new or young driver and cannot benefit from a no-claims discount. The device watches how you drive, and if you drive safely, your premium will go down. However, if you drive recklessly, your premium could increase. Black Boxes are free and easy to install yourself. Some insurance companies might also provide an engineer to install it for you, usually at no cost.

Raise your voluntary excess

You can lower your car insurance premium by agreeing to pay more towards any claims made, which is known as an excess. Insurance companies will view you as less of a risk, and therefore charge you a lower premium. It's important to make sure you can afford to pay the excess amount in case of a claim.

Our top tips for comparing car insurance in 2024

Looking to save money on car insurance in 2024? Here are some top tips to keep in mind when using Comparoo:

  • Review a wide range of policies: Comparing policies from multiple insurers can help you find the one that best fits your needs. Take the time to carefully review each policy's cover options and benefits, so you can make an informed decision.
  • Prepare a budget: Knowing how much you can afford to spend on car insurance can help you narrow down your options and avoid overspending. Consider your other monthly expenses and financial obligations before settling on a policy.
  • Read our blog posts: Our blog is full of helpful tips and tricks to help you save money on car insurance. From understanding insurance jargon to finding discounts and deals, our blog can help you make the most of your policy.
  • Use our easy on-site quote tool: Our quote tool is designed to be user-friendly and straightforward. Simply enter your information, and we'll provide you with a list of comparison quotes from multiple insurers. Say goodbye to confusing technical jargon and hello to simple, easy-to-understand quotes.

Why compare car insurance?

Comparoo is dedicated to simplifying the process of comparing car insurance policies, making it easier for you to find the best deals at the lowest prices. We understand that finding the right car insurance policy can be a hassle, which is why we offer a streamlined, easy-to-use online system that allows you to compare hundreds of insurance providers quickly and easily.

Our online system offers over 60 categories of car insurance policies, ensuring that you can find a policy that meets your needs, no matter your circumstances. Plus, our quote tool allows you to compare hundreds of suppliers, so you can rest assured that you're getting the best deal available.

Whether you're looking for comprehensive cover, third-party insurance, or something in between, we've got you covered. With Comparoo, you can find an affordable insurance quote within minutes, so you can hit the road with confidence and peace of mind. So why wait? Start comparing today and find the perfect car insurance policy for you!

FAQ's

Car insurance FAQ's

Car insurance is a legal requirement in the UK and is designed to provide financial protection for the policyholder in the event of an accident. It is not optional, if you own and drive a vehicle you must have insurance.

Without insurance, you could face severe financial penalties, including fines and even possible jail time. Additionally, if you are involved in an accident and do not have insurance, you will be held financially responsible for any damages or injuries caused. This could result in thousands of pounds in medical expenses, repair costs, and legal fees.

Furthermore, car insurance protects not only the policyholder but also other drivers on the road. In the event of an accident, your insurance will cover the cost of any damage to the other driver's vehicle and any injuries they may have sustained. Without insurance, you could be held personally liable for these costs, which could lead to financial ruin.

Additionally, having car insurance can also provide peace of mind. Knowing that you are financially protected in the event of an accident can give you the confidence to drive without worrying about the financial consequences of an accident.

While it is true that car insurance can be expensive, there are several ways to save money on your premium. One of the best ways is to shop around and compare quotes from multiple providers. A comparison website like Comparoo can help you easily compare quotes from over 110 insurance companies and find the best deal. Additionally, many insurance companies offer discounts for various reasons, such as for safe driving or insuring multiple cars.

When it comes to your car insurance, there are two main options for paying your premium: monthly or annually. Both have their own pros and cons, and the decision ultimately comes down to your personal preferences and financial situation.

One of the main benefits of paying for car insurance on a monthly basis is that it makes the cost more manageable. Instead of having to pay a large lump sum all at once, you can spread the cost out over the course of a year. This can be especially useful if you are on a tight budget or if you have other large expenses to pay for. Additionally, some insurers may offer discounts for paying monthly, as they consider it a reduced risk since they know they will receive payment on a regular basis.

On the other hand, paying for car insurance annually can save you money in the long run. Many insurers offer a discount for paying the premium in full upfront, which can add up to a significant amount over the course of a year. Additionally, if you choose to pay annually and then decide to cancel your policy, you may be required to pay a cancellation fee, which can be more expensive than the monthly payment option.

Another important factor to consider is your budget. If you don't have enough savings to pay for your insurance annually, a monthly plan might be a better option for you. But if you have some savings, you may be able to get a discount for paying your car insurance in full.

Ultimately, the decision of whether to pay for car insurance monthly or annually comes down to your personal preferences and financial situation. If you need to spread the cost out over time, a monthly plan may be the best option. However, if you can afford to pay the premium in full upfront, you may be able to save money by choosing an annual plan. Be sure to shop around and compare different insurance providers to find the best deal for you.

Your car insurance premium and credit score may be related, but they are not directly linked. In most cases, purchasing car insurance will not directly affect your credit score. However, there are a few ways in which the two can be related.

First, some insurance companies may check your credit score as part of the underwriting process. They may use this information to determine your risk level and to set your premium. However, this does not mean that your credit score will be affected by this inquiry. Insurance companies use a "soft pull" on your credit report, which does not impact your credit score.

Second, if you have trouble paying your car insurance premium, it could lead to negative consequences for your credit score. If you fail to pay your premium and your policy is cancelled, the insurance company may report the unpaid balance to a credit bureau, which could result in a negative mark on your credit report. Additionally, if you have a history of late or missed payments, it could also negatively impact your credit score.

It's important to note that not all insurance companies check credit scores as part of the underwriting process, so it's worth shopping around to find an insurer that doesn't use credit scores as a factor in determining your premium.

Additionally, you should be aware that if you are a young driver, some insurance companies may charge you more if you have poor credit, as they believe that the risk of an accident is higher.

Overall, purchasing car insurance itself does not affect your credit score, but if you have trouble paying your premium, it could lead to negative consequences for your credit score. To ensure that your credit score is not affected, it's important to make sure you pay your insurance premium on time and to shop around to find an insurer that doesn't use credit scores as a factor in determining your premium.

When purchasing car insurance, one of the factors that can affect your premium is the estimated annual mileage you will be driving. It's important to be as accurate as possible when estimating your annual mileage, as underestimating your mileage could result in higher premiums or penalties if you file a claim.

There are a few ways to estimate your annual mileage:

  1. Keep a mileage log: One of the most accurate ways to estimate your annual mileage is to keep a log of every time you drive your car. This can be done by manually recording your odometer reading at the start and end of each trip, or by using a mileage tracking app.

  2. Estimate based on your commute: If you have a regular commute to work, you can use that to estimate your annual mileage. For example, if you drive 20 miles each way to work and you work five days a week, that's 400 miles per week and 20,800 miles per year.

  3. Use GPS data: If your car is equipped with GPS, you can use the data to track your mileage. Many new cars come with GPS technology that can track your driving habits and provide data on your annual mileage.

  4. Check vehicle history report: Some companies offer vehicle history reports that can provide information on the mileage of a vehicle.

  5. Contact your insurance company: You can also call your insurance company and ask for a mileage estimation based on your previous claims if you have any.

Once you have an estimate of your annual mileage, you can use that information to determine the appropriate cover for your car insurance policy. Keep in mind that most insurance companies will require you to provide an estimate of your annual mileage when you purchase a policy, and some may require proof of your mileage if you file a claim.

It's also important to note that if you underestimate your mileage, it could void your insurance policy and may cause problems if you make a claim, so it's important to be as accurate as possible.

In summary, to know how many miles you drive each year, you can keep a mileage log, estimate based on your commute, use GPS data, check your vehicle history report or contact your insurance company. This information will help you to accurately estimate your annual mileage, which will help you to choose the appropriate cover for your car insurance policy.

When purchasing car insurance, one of the factors that will affect your premium is the value of your car. This is known as the car's "market value" or "agreed value." The market value is the amount that your car is worth on the open market, while the agreed value is the amount that you and your insurance company have agreed upon for the value of your car.

There are a few ways to determine the value of your car when getting a car insurance policy:

  1. Use an online car valuation tool: There are a number of online car valuation tools available, such as Kelley Blue Book or NADA Guides, that can give you an estimate of your car's value based on the make, model, year, and condition of your car.

  2. Consult a dealership: You can also contact a dealership that sells the same make and model of your car and ask them for a quote.

  3. Appraise it: You can also ask an appraiser to give you an estimate of the value of your car based on the car's condition, mileage, and other factors.

  4. Check previous sales: you can check previous sales of similar cars to your car, on websites such as Autotrader, CarGurus, or even in your local classifieds.

When determining the value of your car, it's important to consider factors such as the car's age, condition, mileage, and any upgrades or modifications that have been made. The value of a car can also be affected by factors such as the car's history, any previous accidents, and even location.

It's important to note that the value of your car can change over time, so it's a good idea to review the value of your car periodically, especially if you've made any upgrades or modifications to your car.

When you have the value of your car, you can use that information to determine the appropriate cover for your car insurance policy. Keep in mind that if you underestimate the value of your car, it could void your insurance policy and may cause problems if you make a claim.

In summary, there are a few ways to determine the value of your car when getting a car insurance policy, such as using an online car valuation tool, consulting a dealership, appraising it, or checking previous sales. The value of your car will affect your car insurance premium, so it's important to be as accurate as possible when estimating the value of your car. Remember that the value of your car can change over time and you should review it periodically.

Car insurance prices in the UK are calculated based on a variety of factors that are used to determine the level of risk associated with insuring a particular vehicle and driver. These factors include:

  1. The make and model of the car: The type of car you drive can affect your insurance premium. Cars that are considered more expensive to repair or replace will generally have higher insurance premiums.

  2. The age and experience of the driver: Young and inexperienced drivers are considered to be a higher risk, and so their insurance premiums will generally be higher.

  3. The driver's location: Where you live can also affect your insurance premium. For example, if you live in an area with a high crime rate or a high number of claims, your insurance premium may be higher.

  4. The annual mileage of the car: The more you drive, the higher the risk of an accident, so the higher the insurance premium.

  5. The type of cover: The level of cover you choose will also affect your insurance premium. A basic policy will generally be cheaper than a comprehensive policy.

  6. The driver's claims history: If you have a history of making claims, your insurance premium will likely be higher.

  7. The driver's credit score: Some insurance companies may use credit scoring as a factor in determining premiums, as they believe that those with poor credit are more likely to file a claim.

  8. No-claims discount: If you have not made a claim in the past year, you may be eligible for a no-claims discount, which can lower your insurance premium.

  9. Occupation and education: Some insurance companies may take into account your occupation and education level, as they believe that it may indicate a higher risk of an accident.

The insurance company will take these factors into account and use them to calculate a premium for your policy. They will also use statistical data to estimate the likelihood of you making a claim and how much that claim might cost. This will help them to determine the most appropriate premium for your policy.

It's important to note that different insurance companies will use different methods to calculate premiums, so it's a good idea to shop around and compare quotes from different insurers to find the best deal for you. Additionally, your premium may change over time, especially if any of the factors used to calculate it change, such as your location, your driving history, or the value of your car.

In summary, car insurance prices in the UK are calculated based on a variety of factors such as the make and model of the car, the age and experience of the driver, the driver's location, the annual mileage, the type of cover, the driver's claims history, the driver's credit score, no-claims discount, occupation and education. Different insurance companies may use different methods to calculate premiums, so it's a good idea to shop around and compare quotes from different insurers to find the best deal.

A car insurance excess is the amount of money that the policyholder is required to pay towards a claim before the insurance company will cover the remaining costs. It is a way for the insurance company to share the risk with the policyholder, and it is typically a set amount specified in the policy.

There are typically two types of excess: voluntary and mandatory. Voluntary excess is an amount that the policyholder can choose to pay in addition to the mandatory excess, in order to lower their overall premium. A mandatory excess, on the other hand, is an amount that the policyholder is required to pay regardless of the circumstances of the claim.

For example, if a policyholder has a mandatory excess of £500 and they make a claim for £5,000, they will be responsible for the first £500 of the claim, and the insurance company will cover the remaining £4,500. If the policyholder chooses to pay a voluntary excess of £1,000, they will be responsible for the first £1,000 of the claim, and the insurance company will cover the remaining £4,000.

In some cases, the excess may vary based on the circumstances of the claim. For example, if the policyholder is under 25 years of age, the excess may be higher than for someone over 25. Similarly, if the policyholder has a history of making claims or has a high-performance car, the excess may be higher.

It is important to note that the excess is only applicable to the policyholder and not to any third parties involved in the accident. Additionally, policyholders can choose to pay a higher excess in exchange for a lower premium, and this is a trade-off that must be considered.

In conclusion, a car insurance excess is the amount of money that a policyholder is required to pay towards a claim before the insurance company will cover the remaining costs. It is a way for the insurance company to share the risk with the policyholder, and it is typically a set amount specified in the policy. Policyholders can choose to pay a higher excess in exchange for a lower premium.

Once you have got your quote, it will last 30 days before you have to re-submit it again.

Whether or not your car insurance policy will go up after you file a claim depends on a number of factors, similar to the case in other countries. One of the main factors is the type of claim you file. If you file a claim for a minor accident, your insurance company may not raise your rates. However, if you file a claim for a major accident or a more severe incident, such as driving under the influence, your rates are likely to go up.

Another important factor that can affect whether or not your rates will go up is the severity of the damages. If the damages are minor and the cost to repair or replace your vehicle is relatively low, your insurance company may not raise your rates. However, if the damages are severe and the cost to repair or replace your vehicle is high, your rates may go up.

The number of claims you have filed in the past is also taken into account by the insurance company. If you have a history of multiple claims, your rates are more likely to go up. However, if this is your first claim, your rates may not be affected.

It's also worth noting that, in the UK, there is a system called "no claim discount" (NCD), also known as "no claim bonus" (NCB), that rewards policyholders for not making any claims on their policy. If you have a good NCD, your rates may not go up as much as they would have if you had a lower NCD.

It's important to keep in mind that different insurance companies have different policies and procedures, so it's always best to check with your specific provider to see how your claim may affect your rates. Some insurance providers may also offer accident forgiveness, which means that your rates will not go up after your first accident.

In summary, whether or not your car insurance policy will go up after you file a claim depends on a number of factors, including the type and severity of the claim, the cost of the damages, your claims history, and your insurance provider's policies.

Comparoo is an insurance comparison website that allows you to compare insurance quotes from hundreds of providers. We help you find the best deals by comparing the different policies, cover options and prices offered by different insurance companies.

If you decide to sign up for a new policy via our site, we receive a referral fee from your provider. However, this fee is not built into the cost of your policy, it is paid for by the insurance company. In fact, many people have found that by using Comparoo, they were able to obtain a cheaper quote for their car insurance than if they had gone directly to the provider. This is because Comparoo allows you to easily compare multiple insurance providers and find the best deal for you.

It is not always guaranteed that you will find a better price than your renewal quote. However, it is always worth shopping around and comparing quotes to make sure that you are getting the best deal possible.

When your insurance policy is up for renewal, your insurance provider will typically send you a renewal quote. This quote is based on the information that you provided when you first purchased the policy, including your driving history, the type of car you drive, and your personal details. However, your circumstances may have changed since you first purchased the policy, and you may be able to find a better deal by shopping around.

It's important to compare prices and cover from different insurance providers. There are many insurance comparison websites, such as Comparoo, that can help you compare prices and cover from a variety of providers. These comparison websites allow you to enter your details once and then see a range of quotes from different insurance providers.

When comparing quotes, make sure to compare the cover and the deductibles of each policy. Some policies may have a lower premium but higher deductibles, which means you'll have to pay more out of pocket in the event of a claim. Similarly, some policies may have a higher premium but lower deductibles, which means you'll have to pay less out of pocket in the event of a claim.

It's also worth noting that some providers may offer discounts for certain things like having a good driving history, being a member of a certain group, or having multiple policies with the same company. Make sure to ask about any discounts that may apply to you before you make a decision.

In summary, while it is not guaranteed that you will always find a better price than your renewal quote, it is always worth shopping around and comparing quotes to make sure that you are getting the best deal possible. By using comparison websites and looking out for discounts, you may find a better deal on your car insurance. It is important to compare cover and deductibles as well as the premiums.

Car insurance for new drivers can be expensive for a variety of reasons. One of the main reasons is that new drivers are considered to be a higher risk by insurance companies. This is because they have less experience on the road and are more likely to be involved in accidents. Additionally, new drivers are often younger and may have less disposable income, which can make it more difficult for them to afford the high cost of insurance.

Another factor that can contribute to the high cost of car insurance for new drivers is the type of car that they are insuring. New drivers are often attracted to high-performance or luxury vehicles, which can be more expensive to insure. Additionally, these types of cars are often more expensive to repair or replace if they are involved in an accident.

There are also a number of other factors that can influence the cost of car insurance for new drivers. For example, if a new driver lives in an area with a high crime rate, this can increase the cost of insurance. Additionally, if a new driver has a history of traffic violations or accidents, this can also impact the cost of insurance.

Despite the high cost of car insurance for new drivers, there are ways to reduce the cost. For example, many insurance companies offer discounts to new drivers who complete a Pass-Plus course. Additionally, new drivers can often save money by choosing a car that is less expensive to insure.

In conclusion, car insurance for new drivers can be expensive due to their lack of experience, high-performance or luxury cars, the area they live in, history of traffic violations or accidents and other factors. However, there are ways to reduce the cost, such as taking a driver's education course or choosing a car that is less expensive to insure.

In the UK, there are several types of car insurance cover available to drivers. The most common types include:

  1. Third party only: This is the minimum level of cover required by law in the UK. It covers any damage or injury that you cause to another person, vehicle or property while driving. It does not cover any damage to your own vehicle.

  2. Third party, fire and theft: This type of cover includes everything covered by third party only, but also provides protection if your vehicle is stolen or damaged by fire.

  3. Comprehensive: This is the highest level of cover available and includes everything covered by third party, fire and theft, but also provides protection for your own vehicle in the event of an accident or other damage, regardless of who is at fault.

  4. Pay-as-you-go insurance: This type of car insurance is based on the number of miles you drive, and you pay for the insurance as you use it. It is a good option for people who don't drive frequently.

  5. Short-term insurance: This type of car insurance is designed for people who need temporary cover, such as people who are borrowing a car or renting one.

  6. Black box insurance: This type of cover uses a device fitted in your vehicle to monitor your driving habits, such as how fast you drive, how often you brake and how far you travel. Based on this data, your insurance premium will be calculated. It is a good option for new and young drivers who want to prove to insurers that they are safe drivers.

It is important to note that the terms and cover of each insurance may vary depending on the insurance company you choose. It's recommended to carefully review the cover and compare different options before making a decision.

Upgrades & optional extras

A black box, also known as a telematics device, is a type of car insurance policy that uses technology to monitor a policyholder's driving habits in real time. This type of policy is typically aimed at younger drivers or those who are considered to be high-risk, as it can help to provide a more accurate assessment of a policyholder's driving behaviour.

The black box is typically a small device that is installed in the policyholder's vehicle. It uses GPS technology to track the vehicle's movements, including speed, location, and braking patterns. The device also records other data such as the time of day when the vehicle is being driven and the distance travelled. This information is then sent to the insurance company, which uses it to assess the policyholder's driving habits.

One of the main benefits of a black box policy is that it can help to provide a more accurate assessment of a policyholder's driving behaviour. This can help to reduce the cost of car insurance for policyholders who are considered to be low-risk drivers. It also allows insurers to monitor their policyholder’s driving habits and give personalized feedback, as well as rewards for safe driving.

However, it's worth noting that black box policies may come with certain restrictions. For example, some policies may have restrictions on the types of journeys that are covered, such as high-speed driving or driving during certain times of the day. Additionally, some policies may require policyholders to install the device in their vehicle, which can be an additional cost.

In summary, a black box is a type of car insurance policy that uses technology to monitor a policyholder's driving habits in real time. This type of policy is typically aimed at younger drivers or those who are considered to be high-risk. The black box is typically a small device that is installed in the policyholder's vehicle and uses GPS technology to track the vehicle's movements, including speed, location, and braking patterns. The device also records other data such as the time of day when the vehicle is being driven and the distance travelled. This can help to provide a more accurate assessment of a policyholder's driving behaviour and lower the cost of insurance for low-risk drivers. However, it is important to note that it may come with certain restrictions and additional costs.

Breakdown cover is a type of insurance that provides assistance in the event that your vehicle breaks down or encounters a problem while on the road. It can include a variety of services, such as roadside assistance, towing, and even accommodation if you are stranded far from home.

There are several different types of breakdown cover available, each with its own level of cover and cost. The most basic level of cover is roadside assistance, which provides help if your vehicle breaks down while you're on the road. This can include jump-starting a dead battery, changing a flat tyre, or providing fuel if you run out. It typically does not cover the cost of repairs or towing.

The next level of cover is called "recovery" which provides towing service to the nearest garage in case of a breakdown or accident. This is a more comprehensive option that can be helpful if your vehicle is not able to be repaired on the spot.

Another type of breakdown cover is called "at-home" cover. This provides assistance if your vehicle breaks down while it is parked at your home. This type of cover can be useful for those who live in remote areas or have long driveways.

Finally, there is "European cover" which provides assistance if your vehicle breaks down while you're travelling abroad in Europe. This type of cover can be particularly useful for those who frequently travel to Europe on vacation or business.

When choosing a breakdown cover, it's important to carefully consider the level of cover you need and the cost of the policy. It's also important to check what is included and excluded in the policy and ensure that it covers your specific needs. Some breakdown cover providers also offer additional benefits such as accommodation, rental cars, and even travel expenses in case of breakdowns.

In summary, breakdown cover is a type of insurance that provides assistance in the event that your vehicle breaks down or encounters a problem while on the road. It can include a variety of services such as roadside assistance, towing, and even accommodation. There are several different types of breakdown cover available, each with its own level of cover and cost, and it's important to carefully consider the level of cover you need and the cost of the policy before making a decision.

Courtesy car cover is a type of car insurance cover that provides a temporary replacement vehicle for policyholders whose car is being repaired or replaced following an accident. This feature is typically included in comprehensive car insurance policies, and it is designed to provide policyholders with a vehicle to use while their own car is being repaired.

The exact details of courtesy car cover can vary depending on the insurance provider and the policy. Some insurance providers may offer a replacement vehicle for the policyholder to use while their own car is being repaired, while others may only offer a rental car for a specific period of time.

Some providers may also have restrictions on the type of vehicle that can be provided as a courtesy car. For example, some providers may only offer smaller vehicles or vehicles of a similar class to the policyholder's own car.

In most cases, the policyholder will be responsible for paying for any fuel or maintenance costs associated with the courtesy car. Additionally, the policyholder will be liable for any damage caused to the car while it is in their possession.

It's important to read the fine print of your policy to understand the details of your cover and what is included in the courtesy car feature. Some policies may also have restrictions such as usage limits, or may only cover certain types of accidents.

It's also worth noting that some insurance providers may require the policyholder to have their own car repaired at a specific repair shop in order to qualify for a courtesy car. In such cases, the policyholder should make sure that the repair shop is reputable and has the necessary certifications to ensure that the repair work is done to a high standard.

In summary, a courtesy car is a type of car insurance cover that provides a temporary replacement vehicle for policyholders whose car is being repaired or replaced following an accident.

The exact details of courtesy car cover can vary depending on the insurance provider and the policy. It's important to read the fine print of your policy to understand the details of your cover and what is included in the courtesy car feature.

Some providers may have restrictions such as usage limits, or may only cover certain types of accidents and may require the policyholder to have their own car repaired at a specific repair shop.

A "lost keys" cover is a type of car insurance policy that provides protection for policyholders in the event that their car keys are lost or stolen. This type of cover is typically offered as an add-on to a standard car insurance policy and can provide peace of mind for drivers who may worry about the cost and inconvenience of replacing lost or stolen keys.

Lost keys cover typically covers the cost of replacing lost or stolen keys, as well as the cost of any necessary locksmith services. This can include the cost of cutting new keys, programming transponder keys, or even the cost of replacing an entire vehicle's lock system if necessary.

In addition to covering the cost of replacing lost or stolen keys, many lost keys policies also provide additional benefits such as cover for the cost of a replacement hire car, if the policyholder is unable to use their own vehicle due to the loss of their keys. Some policies also provide cover for the cost of accommodation if the policyholder is stranded away from home as a result of the loss of their keys.

It's worth noting that while lost keys cover is a useful addition to a car insurance policy, it is important to check the terms and conditions of the policy carefully. Some policies may have restrictions on the types of keys that are covered or may require policyholders to take certain steps in order to claim for lost keys, such as reporting the loss to the police.

In summary, lost keys cover is an add-on cover option to the standard car insurance policy which provides protection in case of lost or stolen keys. It typically covers the cost of replacing the keys and locksmith services, as well as additional benefits such as replacement hire car and accommodation costs. It is important to check the terms and conditions of the policy carefully before purchasing.

Motor legal protection is an optional add-on to a car insurance policy. It provides cover for legal expenses that may be incurred as a result of a car accident. This type of cover can be particularly valuable for individuals who are involved in an accident and need to pursue legal action against another driver or party.

The cover typically includes legal representation and assistance with the cost of legal proceedings, such as court fees and expenses related to hiring expert witnesses. It may also cover the cost of hiring a solicitor to negotiate a settlement with the other party or their insurance company.

Motor legal protection can be used to help recover damages for personal injury, as well as expenses related to vehicle repair or replacement. In some cases, it may also cover the cost of hiring a replacement vehicle while yours is being repaired.

It is important to note that motor legal protection is not the same as liability insurance, which is mandatory in the UK. Liability insurance covers any damage or injury you cause to other people or their property while driving. Motor legal protection, on the other hand, provides cover for legal expenses that may be incurred as a result of a car accident.

When purchasing motor legal protection, it is important to read the policy details carefully and make sure that you understand what is and is not covered. It is also a good idea to compare policies from different insurance providers to find the one that best meets your needs and budget. Some policies may have limits on the amount of legal expenses that can be covered, while others may have exclusions that may prevent you from making a claim.

In summary, Motor legal protection is an optional add-on to a car insurance policy which provides cover for legal expenses that may be incurred as a result of a car accident. It includes legal representation and assistance with the cost of legal proceedings such as court fees and expenses related to hiring expert witnesses.

It is important to read the policy details carefully and compare policies from different insurance providers to find the one that best meets your needs and budget.

No-claims discount (NCD) protection is a type of car insurance policy that allows policyholders to make a certain number of claims without affecting their no-claims discount. This type of cover can be beneficial for policyholders who have built up a significant no-claims discount over time and want to protect it in case of an accident.

A no-claims discount is a discount that policyholders receive on their car insurance premium as a reward for not making any claims on their policy. The longer a policyholder goes without making a claim, the greater the no-claims discount they can receive. This can make a significant difference in the cost of car insurance over time.

NCD protection is typically offered as an add-on to a standard car insurance policy and can be purchased separately or as part of a comprehensive insurance package. Some insurance companies offer different levels of NCD protection, such as one or two claims per year without affecting your NCD.

When a policyholder makes a claim with NCD protection, the insurance company will typically cover the cost of the claim, but the policyholder's no-claims discount will not be affected. This can help to ensure that policyholders do not lose the benefit of the no-claims discount they have built up over time, even if they need to make a claim.

It's worth noting that NCD protection may come with certain restrictions. For example, some policies may only cover certain types of claims, such as accidents involving another vehicle, while others may only cover claims up to a certain amount. Additionally, some policies may require a policyholder to pay an additional premium or an excess in order to make a claim.

In summary, No claims discount protection is a type of car insurance policy that allows policyholders to make a certain number of claims without affecting their no-claims discount.

This can be beneficial for policyholders who have built up a significant no-claims discount over time and want to protect it in case of an accident. It is typically offered as an add-on to a standard car insurance policy.

However, it is important to check the terms and conditions of the policy carefully before purchasing. Some policies may come with certain restrictions and may require a policyholder to pay an additional premium or an excess in order to make a claim.

Personal accident cover is an optional add-on to a car insurance policy. It provides financial compensation to the policyholder or their designated beneficiaries in the event of death or injury caused by a car accident.

This type of cover can be particularly valuable for individuals who are the sole breadwinner of their family, as it can provide financial support in the event of an accident that leaves them unable to work. The cover can also be beneficial for people who have high medical expenses, as it can help cover the costs of medical treatment and rehabilitation.

Personal accident cover typically pays out a lump sum in the event of death or serious injury, such as loss of a limb or permanent disability. The amount of the payout can vary depending on the policy, but it is usually a fixed amount that is agreed upon at the time of purchase. Some policies also include additional benefits, such as cover for medical expenses, rehabilitation costs, and lost income.

It is important to note that personal accident cover is not the same as liability insurance, which is mandatory in the UK. Liability insurance covers any damage or injury you cause to other people or their property while driving. Personal accident cover, on the other hand, provides protection for the policyholder and any designated beneficiaries in the event of an accident.

When purchasing personal accident cover, it is important to read the policy details carefully and make sure that you understand what is and is not covered. It is also a good idea to compare policies from different insurance providers to find the one that best meets your needs and budget.

In summary, Personal accident cover is an optional cover which is added to a car insurance policy. It provides financial compensation to the policyholder or their designated beneficiaries in the event of death or injury caused by a car accident.

It is important to read the policy details carefully and compare policies from different insurance providers to find the one that best meets your needs and budget.

Personal belongings cover is a type of car insurance that provides protection for personal items that are kept in the vehicle. This type of cover is particularly useful for people who frequently transport valuable items, such as laptops, cameras, or jewellery, in their car.

With personal belongings cover, the policyholder is protected against loss or damage to personal items kept in the vehicle. This can include items such as clothing, electronics, jewellery, and other personal items. The cover typically extends to items that are permanently kept in the car, such as items in the glove compartment or in the boot, as well as items that are temporarily placed in the car, such as a purse or backpack.

The cover and limits of personal belongings cover may vary depending on the insurance provider. Some providers may offer a set amount of cover for personal belongings, while others may offer cover that is based on the value of the items. It's important to check the terms and conditions of the policy to ensure that you have adequate cover for your personal belongings.

In most cases, personal belongings cover is an optional add-on to a comprehensive car insurance policy. It is not typically included as standard cover in a third-party only or third-party, fire and theft policy. Before purchasing personal belongings cover, it's essential to consider the value of your personal items and the level of protection you need.

It's also important to note that personal belongings cover typically includes cover for personal items that are stolen from the vehicle, but it may not cover items that are lost or misplaced. Additionally, some insurance providers may have specific exclusions, such as not covering personal items that are left in the car overnight or that are left in an unsecured vehicle.

It's recommended to carefully review the cover and compare different options before making a decision. It's also a good idea to take an inventory of your personal belongings and their value, so you can ensure that you have adequate cover.

In conclusion, personal belongings cover is a type of car insurance that provides protection for personal items that are kept in the vehicle. It can be an optional add-on to a comprehensive car insurance policy.

The cover and limits of personal belongings cover may vary depending on the insurance provider, so it's important to compare the options and choose the one that best suits your needs.

Windscreen repair and protection is a type of car insurance cover that provides policyholders with protection for damage to their vehicle's windscreen or windows.

This type of cover can help to cover the cost of repairs or replacements for chips, cracks, or other types of damage to the windscreen or windows of a vehicle.

Windscreen repair and protection is typically offered as an add-on to a standard car insurance policy and can be purchased separately or as part of a comprehensive insurance package. Some policies may also include cover for other types of glass in the vehicle, such as side windows or rear windows.

When a policyholder makes a claim for windscreen or window damage, the insurance company will typically arrange for an approved repairer or technician to carry out the repairs. In some cases, the damage may be able to be repaired, rather than requiring a full replacement of the windscreen or window. This can help to keep the cost of repairs down and get the policyholder back on the road as soon as possible.

One of the benefits of windscreen repair and protection cover is that it can help to avoid the need for a policyholder to pay for repairs out of their own pocket. In many cases, this type of cover is considered a "no-fault" cover, meaning that policyholders can make a claim for damage to their windscreen or windows regardless of who caused the damage.

However, it is important to note that not all types of windscreen or window damage may be covered by a windscreen repair and protection policy. Some policies may have restrictions on the types of damage that are covered or may have limits on the amount that can be claimed for a single incident. Additionally, some policies may require a policyholder to pay a deductible or excess in order to make a claim.

In summary, windscreen repair and protection is a car insurance cover that provides protection for damage to a vehicle's windscreen or windows. It is typically offered as an add-on to a standard car insurance policy.

It typically covers the cost of repairs or replacement for chips, cracks, or other types of damage. It helps to avoid the need for a policyholder to pay for repairs out of their own pocket.

However, it is important to check the terms and conditions of the policy carefully before purchasing. Some policies may have restrictions on the types of damage that are covered or may have limits on the amount that can be claimed for a single incident.

Additionally, some policies may require a policyholder to pay a deductible or excess in order to make a claim.

Wrong fuel cover, also known as a misfuelling cover, is a type of car insurance that provides protection for drivers who accidentally put the wrong type of fuel in their vehicle.

This can happen to anyone, but it is particularly common among drivers who have recently switched from one type of vehicle to another or those who are unfamiliar with the fuel system of the vehicle they are driving.

When a driver puts the wrong type of fuel in their vehicle, it can cause significant damage to the engine and other systems, and the cost of repairs can be quite high. In some cases, the vehicle may be completely written off.

This is where the wrong fuel cover comes in. This type of car insurance will typically cover the cost of repairs, as well as the cost of any related recovery and transportation services.

There are different levels of wrong fuel cover available, and the cover may vary depending on the insurance provider. Some policies may only cover the cost of repairs, while others may also cover the cost of a rental car or other transportation while your vehicle is being repaired.

There are also different types of wrong fuel cover available. Some insurance providers offer a stand-alone policy that only covers wrong fuel incidents, while others include it as an add-on to a comprehensive car insurance policy. Some providers also offer a pay-as-you-go option that allows you to purchase cover for a specific period of time, such as a year or six months.

When looking for the wrong fuel cover, it's important to consider the level of cover that you need. Some policies may only cover a certain amount of damage, while others may have no limits. It's also important to consider the cost of the policy and to compare the cover offered by different providers to find the best deal.

In addition to the cost and cover, it's also important to consider the level of service provided by the insurance company. It's always a good idea to read reviews and check the reputation of the insurance provider before buying a policy.

In conclusion, the wrong fuel cover is an insurance type that can provide protection for drivers who accidentally put the wrong type of fuel in their vehicle. It can cover the cost of repairs, recovery and transportation services.

The cover and cost of the policy may vary depending on the insurance provider, so it's important to compare the options and choose the one that best suits your needs.

*51% of consumers could save £333.50 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.