Car Insurance in The UK

It's a legal requirement to have car insurance in order to drive in the UK.

If you are liable for the consequences of an accident your car insurance will pay for damage and compensation due to the other person.

Why will this site help you find the best car insurance for you.

Although car insurance costs seem to be rising, it is still a very competetive market and there are many ways of saving money on your insurance premium.

The internet has made it very easy to compare quotes from both brokers and insurance companies direct, by using the World Wide Web. The purpose of this site is to help you find good quality car insurance web sites that we have already visited and reviewed. For each site listed in the review section to the left of the page we have visited the site and commented on how easy the site is to use, if you can spread payments and other features of the sites.

There are lots of factors that can increase or decrease your car insurance premium and some car insurance providers are cheaper than others in different ways, there are for example insurance providers that will only insure women drivers as they are statistically less likely to make a claim, there are others that will only insure your car if you have over 40% No Claims Discount and others which specialise in young drivers and convicted drivers. It is well worth spending some time browsing the sites we list here as they could save you quite remarkable amount on your next insurance premium. You should bear in mind however that it is prudent to complete a full year with your existing incurance provider as an early move would normally mean you lose that years no claims discount.

Other factors to consider when you apply for car insurance is to minimise the risk to the car insurance provider, whilst staying honest. Consider the following:

Mileage :

Most car insurance providers will consider your mileage when calculating the cost of your incurance premium. As a guide they would normally consider average mileage as approx 12000 per annum, so if you do less make sure you let them know.

Keep your car off the road at night :

By keeping your car off the road at night you are reducing the risk of making a claim due to vandalism, theft and another car hitting yours.

Get a insurance providers approved alarm fitted to your car as this obviously reduces the risk of theft.

Unfortunately there are other factors which you cannot change very easily which do effect your car insurance premiums. Such things as sex, age, postcode and even your profession can influence the cost of your insurance. Shop around using the links on this site as some companies specialise and can save you loads as they want a specific market segment.


A Guide to the best UK Car Insurance Websites

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Car Insurance - F.A.Q.'s

Whats the difference between a Car Insurance Company and a Car Insurance Broker?

An insurance company is the actual insurer of your vehicle and will only sell the policies they offer, whereas a Car Insurance Broker is independant and therefore can choose from a large panel of insurance companies, depending which one suits you most. Before the Internet became a popular method of buying we almost always bought through an insurance broker.

What is the minimum legal amount of insurance required for driving a car in the UK?

Third Party Only (TPO) is the minimum car insurance required to use a car on UK roads although many insurance companies no longer offer this cover. We have explained more on this and other types of cover here.

Where can I get cheap car insurance?

This will greatly depend on who you are and what car you drive. Our site compares the most competitive car insurance sites in the UK. On our comparison page we have taken different combinations of cars and their drivers, go there now and see if one is similar to your circumstances by clicking here.

We have more advice on cheap car insurance here.

What does "Car Insurance Group" mean?

All cars are given an insurance group number by the ABI (Association of British Insurers). This insurance group number goes from 1-20 and is calculated by the ABI on things like engine size, performance and repair/replacement costs. All in car insurance companies in the UK use this no. to help them decide on the insurance premiums set for such cars...more

Why is car insurance cheaper for women?

Some UK car insurance companies specialise in car insurance for women and offer cheaper quotes on that basis. The reason for this is that statistics show women are less likely to make claims. We have a selection of insurance companies that specialise here. Cheaper car insurance for women may become unavailable in the future due to politics click here for the news story.

How does a car insurance company calculate their premiums?

A car insurance company is much like a bookmaker, they take into consideration all the risk factors, such as the type of car, the type of driver, the amount of vehicles stolen from an area, the age of the driver and their driving history in order to calculate the "risk". The car insurance company basically takes a gamble based on carefully analysed statistics.


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