Cheap uk car insurance search
Ranking on price We analysed the prices of a large range of insurance quotes given by Compare The Market, Confused. Get a quote from MoneySupermarket and Confused. Yes and no. Comparison sites send your details to a raft of insurers, then use the information on your credit file to judge your quote.
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This leaves a 'soft search' on your file which you can see as a reference if you get your credit report — but this worries many people. The only time a hard search — which lenders can see — may go on your file is if you then go on and actually apply for insurance; specifically 'pay monthly' insurance because in effect they pay upfront for you and you repay the loan over the year. If you still haven't found a deal you're happy with, or want to push the envelope, there are more options. If you have points on your licence or have had one accident or claim too many, you may find it hard to get cover.
If you've been caught once for an offence such as speeding, it's likely you'll have three penalty points, but one strike shouldn't significantly change your risk profile.
It's when you reach four points or more that you should change the way you act. Comparison sites let you compare s of insurers quickly but they don't capture the entire market as some large competitive insurers only offer their products directly. So benchmark your cheapest comparison quotes against prices offered by the following insurers that you won't find unless you go direct:. If any providers that appear below are among your cheapest, use the links to buy instead and take advantage of special deals. You can't have had a Co-op policy on the same vehicle within the last 12 months.
Haggling is not a must — especially if you want to try a new provider — but if you're looking to renew with your current insurer it is well worth getting on the phone to negotiate. Once you've followed the steps above and got the overall cheapest price, pick up the phone and haggle.
If your insurer can beat or match your best quote it saves having to switch policy. If that doesn't work and you're still in the mood, enlist the help of a broker. And they were really friendly to boot. Once you know which your cheapest provider is, you need to check there aren't any hidden cashback deals.
If your second or third-cheapest quotes weren't much more expensive, see if cashback's available for them too, and find the overall winner. However, note there is no guarantee the quote will be the same going through a cashback site as it is going through a comparison site, so make sure you check the cost carefully. And be aware that the cashback comes from the cashback site, not the insurer, so getting the cashback relies on the deal 'tracking' correctly online.
There can be issues with tracking and allocating the payment. Many cashback sites are small firms with limited backing, and you've no protection if anything happens to them. Money held in your cashback site account has no protection at all if that company went bust. Always withdraw as soon as you're eligible. Double-check the quotes.
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Click through to the insurance provider's own website to read the quote thoroughly, as to speed up searches some comparison sites make a few assumptions. Examine the policy's coverage. Check whether it's suitable. If you want a free courtesy car if yours is being fixed, is it included? While you're there, it's worth playing with the policy details to see if you can lower the price further.
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Look at the excess, and whether adding drivers cuts the cost. Following the steps above often produces huge savings. Can anyone beat that? Obviously car insurance covers you to drive your own vehicle that you have insured but some comprehensive policies insure you not the named drivers if you're driving the cars of your friends and family — with their permission, of course.
Check with your insurer that you definitely have this extension of cover. You may also be covered to drive hire cars too. However, if your comprehensive cover allows you to drive other vehicles, this is usually only up to the level of third-party coverage — so no theft or fire damage cover is provided.
If you're the generous sort, you can add other drivers to your policy — known as named drivers — and they'll be covered to drive your car. Even if you're not generous, adding a second responsible driver can also help lower the cost of your cover.
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If you drive your car outside the UK but within the EU eg, a day trip to France or other European countries such as Andorra, Liechtenstein, Norway and Switzerland, an EU directive means you'll automatically get third-party only cover, even if you don't tell your insurer. This means you'll be driving legally but under the third-party extension of your policy, so your car won't be covered for damage or theft.
This third-party cover applies even if you have comprehensive UK cover. But some policies come with full Europe-wide insurance, covering you across the Continent. If yours doesn't, call your insurer and give your dates of travel and the countries you'll visit or plan to pass through, even if it's only for a few hours to extend the policy cover, but there may be a charge.
Our research shows some providers, including Direct Line, Churchill and Privilege, offer this free if you're only going for up to three days, but that's not a universal rule. And don't forget about breakdown cover. If you have an accident and damage someone else's car but decide to cover the costs yourself, strictly speaking you should still tell your insurer about it. If you do have an accident and your insurer subsequently finds out about it, it could result in higher premiums regardless as the insurer will consider you more of a risk.
In addition, a problem may arise if you have a second accident and it is found to be related to work undertaken for the first. If any of your circumstances change it's important to tell your insurer. If you don't and then try to claim, even for an unrelated issue, your whole policy may be invalid. You should tell your insurer about any change, even if it's just your address.
This is crucial as it reduces potential problems in the event of a claim. Trying to get insurance after you've had a policy cancelled is very difficult and expensive. A change in circumstances includes moving jobs, as insurers believe this can affect your risk. You may also save on insurance if you're in a stable relationship — for instance, living with a partner rather than being listed as single. And watch out for modifications.
Most car insurance policies don't cover attaching a trailer as standard so double-check — some may charge you a slightly higher premium. Insurers like less-risky policyholders and will reward you if you're able to go a long time without making a claim. So for every year you're claim-free your insurer usually gives you a discount at renewal. The more years you can go without making a claim, the larger the discount will be at renewal.
The more changes you make to your car, barring security ones, the more you're charged. Always tell your insurer about any modifications and whether you made them or not, or it may invalidate your policy a modification is anything that isn't part of the standard vehicle specification, including factory-fitted optional extras such as alloy wheels. Even more savings are there for the taking if you can protect your vehicle by securing it.
Fitting an alarm or immobiliser especially one approved by Thatcham will reduce the bill substantially. Comparison sites always assume you own the car you're trying to insure. However, many people drive a car owned by their employer, but have to insure and tax it themselves. This means comparison sites, while useful for benchmarking prices, don't do the trick.
First, try a couple of specialists, then see how prices from the comparisons stack up. Go through the quote process and it'll ask who owns the car. The quote you get will be based on this. This by no means translates to LV being the cheapest choice — but it's useful to get an idea of what you should be paying.
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Borrowing a friend's car for the weekend or need to hire a vehicle to move house? It's possible to get temporary insurance for one to 28 days. Most insurers will cover drivers between the ages of 18 and 75 but some set the minimum age at You may also find it difficult to find cover if you have many points on your licence or a long history of claims. Telematics prices your premiums depending on how you drive. A device inside your car monitors your actions behind the wheel.