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Effective URL: https://www.moneysupermarket.com/car-insurance/?from=otherredirect
Submission: On November 01 via manual from GB — Scanned from GB
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Home 2. Car insurance CAR INSURANCE Get cheap car insurance quotes and earn rewards * Buy car insurance through us and get unlimited access to free days out (on our app), and so much more with SuperSaveClub Get a brand new quote Retrieve quotes 4.7/585,994 reviews COMPARE CHEAP CAR INSURANCE QUOTES FROM 163 PROVIDERS1 We work with the most trusted UK car insurance providers to bring you cheap quotes for personalised policies Get a brand new quote 1Accurate as of October 2023. WHAT DO I NEED TO GET A QUOTE? It's quick and easy to compare car insurance quotes. We just need a few details from you: * YOUR DETAILS AND YOUR LICENCE Including your job, age and your address, plus the same for named drivers. We'll also need to know the type of licence you have, how long you've had it, previous claims and driving history * NO-CLAIMS DISCOUNT (NCD) HISTORY Details of your no-claims discount will help lower the prices you get. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honour * DETAILS OF THE CAR The car’s registration number if you know it. If not, the make and model is fine. We’ll also need the car’s age and any modifications you’ve made * WHAT YOU'LL USE THE CAR FOR Social, commuting or business, and how many miles you’ll do in a year. You’ll also need to say where you’ll keep the car at night for security Get a car insurance quote WHY COMPARE CAR INSURANCE QUOTES WITH MONEYSUPERMARKET? Our mission is to make finding cheap car insurance easier – and when you take out cover with MoneySuperMarket you can benefit from: * EARN REWARDS AND SUPER SAVE When you join our Super Save Club, you can earn rewards and save even more money when you buy new policies or switch with us * FIND THE CHEAPEST DEALS Our Price Promise to you is that if you find the same car, home, annual travel insurance or broadband for less, we'll refund the difference* * OVER 30 YEARS OF SAVING MONEY We've been saving the UK money since 1993 and have pioneered the price comparison business. We work only with the most trusted providers Get a brand new quote *Restrictions and T&Cs apply, click here for details. WHY HAS THE PRICE OF CAR INSURANCE GONE UP? UK car insurance premiums hit a record high in 2023 according to ABI and their motor insurance premium tracker. These price increases are due to a number of factors, including: * An increase in car insurance claims * Increased energy costs * Increased costs for replacement parts and repairs * Increased labour costs For a full overview of why the cost of car insurance has gone up, check out our article 'Why is car insurance suddenly so expensive?' HOW CAN I GET CHEAPER CAR INSURANCE TODAY? There are different ways to lower your car insurance premiums, and get a cheaper quote: * CUT OUT THE EXTRA COVER Add-ons like breakdown cover and car keys cover cost extra to add to your policy. To save money, consider cutting out optional extras that may be cheaper to pay for out of pocket * INCREASE YOUR EXCESS One of the simplest ways to reduce your insurance cost is to increase your voluntary excess. Be careful not to increase your excess so much that you can't afford it * CONSIDER TELEMATICS Telematics policies, sometimes known as black box car insurance, give younger and inexperienced drivers a chance to earn lower premiums by showing that they have sensible driving habits * AVOID AUTO-RENEWING Your car insurance policy is likely to be renewed automatically when the term ends, but you may be able to find a cheaper deal if you compare quotes from other providers online * PAY ANNUALLY Paying an annual lump sum for your car insurance policy may seem like a big initial outlay, but it it typically costs less overall than if you were to pay monthly instalments * PARK YOUR CAR OFF THE ROAD You can reduce the cost of car insurance by parking your car off the road when you're not using it. The best place to keep it overnight to reduce your insurance cost would be in a locked garage Cheap car insurance guide WHAT AFFECTS YOUR CAR INSURANCE PREMIUMS? Insurers consider lots of things when they work out how risky you might be – and the more of a risk you pose, the higher the price of your car insurance will be. Considerations include: * YOUR LOCATION Some postcodes may have higher rates of theft or vandalism than others * YOUR JOB Insurers see some jobs as higher risk, especially if they involve a lot of driving * YOUR MILEAGE The longer you spend on the road, the more likely you are to be involved in an accident * YOUR CAR MAKE AND MODEL Cars in higher insurance groups usually cost more to cover * YOUR DRIVING HISTORY This includes driving convictions as well as any claims you’ve made on car insurance policies * YOUR VOLUNTARY EXCESS A higher excess tells insurers you’re less likely to make frivolous claims for low amounts * ANY OTHER DRIVERS ON YOUR POLICY Adding a more experienced driver to young driver policies may reduce premiums * YOUR NO CLAIMS DISCOUNT A good no claims bonus demonstrates that you are a safe driver and don't make frivolous claims * ANY VEHICLE MODIFICATIONS Some modifications can increase your vehicle's risk of theft, vandalism, or accidents WE'RE 100% INDEPENDENT, WORKING ONLY FOR OUR CUSTOMERS Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you. By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services. 4.7/5 of our customers would buy again based on 85,994 reviews See all reviews Very well priced and excellent quality Philip Rutter 26/10/2023 Very easy to use site.Set out well. Payment went through smoothly. Good communication. Julie Hadfield 23/10/2023 I have saved over 200 pounds on my car insurance by switching insurers and ignoring the renewal notice from the existing insurance company David Johnston 23/10/2023 WHAT TYPE OF CAR INSURANCE COVER DO I NEED? There are three types of cover to choose from when you buy car insurance. These are: * FULLY COMPREHENSIVE If you're looking for the best protection for your car and yourself, fully comprehensive is the highest level of cover available and will cover wide range of risks Average annual cost: £6712 * THIRD-PARTY, FIRE AND THEFT Third-party, fire and theft covers your vehicle for theft, accidents, and fire damage as well as other people, their vehicles, and their property Average annual cost: £9382 * THIRD-PARTY ONLY Third-party cover is the minimum legal requirement. Despite only cover injuries and property damage, it’s usually more expensive than fully-comp cover Average annual cost: £7952 2Based on annual price of car insurance policies with one driver holding a full UK driving licence for at least 12 months. MoneySuperMarket data, collected between July 2023 and September 2023 WHAT TYPES OF CAR INSURANCE POLICY CAN I GET? As well as a standard car insurance policy, we can help you find specialised car insurance policies for some specific circumstances: * BUSINESS USE Standard car insurance won't cover business use, so you need a special policy for work vehicles * SHORT TERM COVER This lets you take out temporary car insurance from anywhere between a day and a few months * MULTIPLE CARS This car insurance type gives you the option of adding more than one car to your policy * TELEMATICS Get a chance to bring your premiums down by installing a black box, which monitors your driving habits. WHAT TYPES OF CARS CAN I INSURE? You should be able to find car insurance for most types of cars, but if your wheels are a little out of the ordinary, you might need to get more specialised cover. CLASSIC CARS HMRC defines a classic car as over 15 years old and valued over £15,000. Premiums are typically cheaper than standard policies because older vehicles have lower speed limits and classic car owners tend to keep their car well looked after, as well as being on the road less often. Close SPORTS CARS Cars built low and designed for performance and high speeds. Premiums tend to be more expensive than standard car insurance because sports cars have more powerful engines and can reach higher speeds, increasing the statistical likelihood of an accident. Close IMPORTED CARS An imported car is a model you've bought and had delivered from abroad. They're often more difficult and expensive to insure because they usually cost more to repair, and are often higher-spec, with more powerful engines. They're sometimes modified to fit with UK regulations - all this leads to extra hassle and risk for insurers. Close MODIFIED CARS Cars that have had modifications such as custom bodywork or paint jobs, engine upgrades or new wheels. Upgrading your car's appearance, performance, handling or function means that insurers classify it as a greater risk and charge more for your cover. Close ELECTRIC CARS Cars that run purely on battery power. Electric cars are fairly new to the market, and they use technology that isn’t as wide-spread as standard petrol cars. As such they can be more expensive to repair, and therefore also more expensive to insure. Close HYBRID CARS Cars that are fuel efficient, built with hybrid engines, or rely on alternative fuels. Premiums will depend on your policy, your car and how you drive. Some insurers do offer lower premiums and deals for green and hybrid vehicles, so do your research before choosing a policy Close WHAT ADD-ONS CAN I GET WITH MY CAR INSURANCE? When you take out car insurance, you'll be able to find policies with the following optional extras. But these will make your policy more expensive, so consider whether you really need them: * BREAKDOWN COVER Pays for the cost of calling out a mechanic if your car breaks down * COURTESY CAR COVER Gives you access to a replacement vehicle while yours is in for repair * PERSONAL ACCIDENT COVER Pays out a lump sum if you’re injured or killed in a road accident * MOTOR LEGAL PROTECTION Covers the legal fees you might face in relation to a road accident * WINDSCREEN COVER Pays for the cost of repairing or replacing a cracked windscreen * CAR KEYS COVER Covers the cost of replacing your keys if they’re lost, damaged or stolen * WRONG FUEL COVER Pays for the necessary repairs you'd need if you accidentally top your car up with the wrong type of fuel * PERSONAL BELONGINGS COVER Protects your belongings, which can be handy if you tend to leave them in your car * NO-CLAIMS DISCOUNT COVER Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums OUR EXPERT SAYS > " > > Don’t let your car insurance policy auto renew without shopping around. Since > 2022, car insurers can no longer charge existing customers more than new > customers for the same policy, but it’s still worth comparing policies to > check if you can get better value cover elsewhere. > > " - Faith Archer, Personal Finance Expert CAR INSURANCE GUIDES When is my car insurance due Cancelling car insurance Annual vs monthly premiums Compulsory vs voluntary excess What is car insurance fronting? No claims discounts explained OUR CAR INSURANCE TOOLS * CAR INSURANCE GROUP FINDER * ELECTRIC VEHICLE FINDER * CAR FINANCE CALCULATOR FAQsGuidesHow we work DO I NEED CAR INSURANCE? Car insurance is a legal requirement for drivers in the UK, thanks to the continuous insurance enforcement rules brought in as part of the road safety act of 2006. This means that unless your car is registered as off the road with a Statutory Off Road Notice (SORN), or in the process of being bought or sold, you could be faced with a fine if you don’t insure your vehicle with at least a third-party policy. Close HOW LONG IS MY QUOTE VALID FOR? How long a quote is valid for is down to the insurance provider. Using our price comparison service you can save your searches, but there's no guarantee the price you saved will be the same as the price you get when you purchase. Close WILL I BE CHARGED IF I CANCEL MY POLICY? Usually if you cancel your policy within the first 14 days, most insurance companies won’t charge a cancellation fee but check the small print because some will. If your policy has been active for longer than 2 weeks, you’re likely to have to pay a fee for cancelling plus the cost for the time you’ve been insured (pro-rata). Close WHAT DOES EXCESS MEAN? Excess payments refer to the cost of making a claim – compulsory excess is how much you’ll need to put towards the total claim cost before your insurer pays the rest. Volunteering a higher excess fee on top of the compulsory amount indicates to insurers you won’t bother making small and frivolous claims. Close WHAT IS A NO-CLAIMS BONUS? A no-claims bonus – also known as a no-claims discount – can cut the cost of your car insurance. The longer you drive without claiming, the bigger the discount you can earn when renewing your cover, because the insurer will assume you are less likely to claim in future. You might consider not claiming for an accident if the damage to your car is minor and it would be more sensible to pay for the repairs yourself – for example, if the excess you’d need to pay is more than the overall repair costs. This way you’ll preserve your no-claims bonus as well as being better off financially. Close IS IT CHEAPER TO PAY MONTHLY OR ANNUALLY FOR CAR INSURANCE? You’re likely to get a better deal on your car insurance policy if you pay an annual lump sum rather than in monthly instalments, because insurers add on a fee for monthly payments. Paying monthly can be useful as you’ll be able to spread the cost out, but you will end up paying a little extra overall. Just remember that if you choose to pay monthly, most insurers will do a credit check to see if you can afford it. Close DO DRIVING COURSES LOWER THE COST OF INSURANCE? While advanced driving courses such as Pass Plus or IAM (Institute of Advanced Motorists) make you a better driver, they won’t always save you money on your car insurance. In fact the average person won’t see any difference in premiums whether or not they have Pass Plus on their licence – but that doesn’t mean it can’t benefit anyone at all. Younger or inexperienced drivers might be able to save a few quid, and if the skills you learn help you avoid accidents in the future, this will also help keep your insurance costs down. However, any discounts will depend on the individual insurer, and the course itself may cost more than any savings on your insurance cover. You may well save more by shopping around and comparing deals from different providers. Close DO I NEED A CREDIT CHECK TO BUY CAR INSURANCE? Insurers look at a range of factors when deciding on your insurance premium, including your credit score. But they will also look at your age, your job and the car you drive, as well as where you live before they make a decision. If you want to pay for your car insurance monthly, the insurer will do a credit check to see if you’re likely to be able to make the payments. That’s because agreeing to pay monthly is technically a credit agreement: you’re borrowing the cost of the annual policy and repaying it over 12 months. A record of this search will remain on your credit file. If you have a bad credit score, it is still possible to get car insurance – but you may be charged a higher interest rate on monthly payments. If you have struggled to repay credit in the past, or if you have a county court judgement (CCJ) against your name, then you may not be allowed to pay monthly. Close HOW DO I ESTIMATE MY ANNUAL MILEAGE? One of the factors used to calculate your car insurance quote is the number of miles you drive on average per year. To calculate your own personal mileage, you can: * Look at the number of miles you drove the year before on your annual MOT certificate and estimate mileage for the coming year * Check your car's service record - mileage is noted in your logbook every time your car has its annual service * Calculate how many miles you drive each week and add them all up Close HOW DO I WORK OUT MY CAR’S VALUE? In most cases, the value you declare on your insurance policy documents will be the price you initially paid for the vehicle. Be mindful though, that if you make a claim and your car has been your insurance provider will pay out the current market value of your car, not the initial price you declared on your insurance documents. This is because vehicle devaluation is also considered. Close DO I NEED CAR INSURANCE IF MY CAR IS OFF ROAD? You don’t need car insurance when your car is off the road, as long as you’ve made a Statutory Off-Road Notification (SORN). This tells the Driver and Vehicle Licensing Agency (DVLA) your car is not in use and means you don’t need to pay vehicle tax or buy car insurance – as long as it’s kept off the road. Close HOW CAN I CHECK IF MY CAR IS INSURED? You can check whether your car is insured by visiting the Motor Insurance Database (MID). The MID is the central record of all vehicles insured in the UK. It's free to use and it identifies the make and model of your car as well as whether your car is insured. Close CAN I INSURE MY CAR FOR SEVERAL DRIVERS? Any-driver insurance allows anyone to drive your car (with your permission). This is handy if you have lots of family and friends that want to borrow your car. The downside is that it can be expensive, as your insurance provider can't be sure who's driving the car at any given time. Close WILL I HAVE TO PAY ANY ADMIN FEES? You shouldn’t need to pay any admin fees unless you make any changes to your policy or need replacement documents. You may be charged an adjustment fee if you need to change something on your policy like your address, car registration or adding a named driver, for example. Charges vary between providers, and some will let you make small charges online for free. Keep an eye out for admin fees when comparing policies. Close GUIDES TEMPORARY CAR INSURANCE Find out everything you need to know about insuring a car for a short period, and discover how to get the best price. YOUNG DRIVER INSURANCE Learn how to make sure you’re insured as a young driver, and how to get the best value insurance. CAR INSURANCE GROUPS Learn about car insurance groups, and how to get a cheaper price for insuring a car in any group. ONE DAY CAR INSURANCE Take out car insurance lasting a day VIEW ALL News & Guides * Car insurance guidesEverything you need to know about the wonderful world of car insurance. * Car insurance group checkerEvery car in the UK is allocated an insurance group to help insurers work out the cost of cover * Car insurance providers Explore our range of car insurance companies * Makes and modelsExplore different car makes and models * Classic car insuranceFind out what insurance you need for your classic car * News and featuresDelve a little deeper with MoneySuperMarket’s research and analysis. * Black box coverSee how installing a black box can save you money * Compare first car insuranceCompare cheap car insurance for your first car * Northern Ireland Car InsuranceFind affordable cover in Northern Ireland with MoneySuperMarket * Over 60s car insuranceCompare Car Insurance For Over 60s * Over 80s car insuranceCompare car insurance quotes for drivers over 80 SUPER SAVE WITH MONEYSUPERMARKET You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money. * Whip your credit score into shape with Credit Monitor * Super save over and over again with Energy Monitor * There are always more ways to save with MoneySuperMarket So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from. You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page. Close Reviewed By: Faith Archer Page Last Reviewed: 01/11/2023 * Accessibility * Careers * Contact Us * Investor Relations * About Us * Preference Centre * Privacy * Security * Sitemap * Terms and Conditions We use cookies to give you the best experience. 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