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Welcome to Your Car Insurance Quote UK. On the site you will find a summary of the car insurance deals being offered by the leading UK car insurers, as well as a detailed car insurance FAQ (currently at the bottom of this home page). Where you can find the cheapest car insurance quote will depend on your own particular circumstances, so we suggest using a number of the links below to gain a car insurance quote online and compare prices to find your best quote.
Featured Car Insurance Companies
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Begin looking for your car insurance quote early, so you have time to shop around.
Fitting a Thatcham approved alarm may help reduce your premium.
Remember to shop around and compare car insurance quotes.
Think about whether you can increase the voluntary excess on your policy as this can bring your car insurance quote down.
Make sure you understand the car insurance policy fully before agreeing to it. E.g. who is covered to drive the car, what the excess is, whether it is fully comprehensive etc etc.
Understand what is included in your car insurance quote, e.g.
- Courtesy car.
- Legal cover.
- Breakdown cover.
- Protected no claims discount.
- Personal accident cover.
This covers any accidental damage you cause to another vehicle and its driver, as well as any damage to your car. You are also covered if your car is damaged by fire or is stolen.
As UK law currently stands (Jan 2009), if you car is valued at over £5,000 you are required to have fully comprehensive cover.
Fully comp usually covers the following:
- Malicious damage if your car has been vandalised.
- Injuries to your passengers.
- Damage to other people's property.
- Medical expenses up to a stated limit.
- Theft of items from the car, up to a stated limit. There are often particular exceptions for particular items, e.g. money, tickets, documents and share certificates.
Note that cover for any accessories you have in or on your car may not be covered or may only be covered up to a set amount.
Your fully comprehensive policy may also offer a new car replacement if your car is stolen when less than 12 months old, subject to the terms and conditions of your insurer.
This covers any damage or injury you cause to another vehicle and its driver (i.e. the third party), but does not cover accident damage to your own vehicle. You will be covered if your car is damaged or destroyed by fire, or if your car is stolen.
If you cause an accident, this will cover any damage you cause to another person's vehicle and its driver. However, damage to your own vehicle is not covered and you will have to pay for any repairs to it. Loss of your vehicle is not covered by this type of car insurance.
Legal services and advice.
Free accident recovery service. If your car is immobile or unsafe to drive following an accident, an insurance company may provide a free accident recovery service and to take your car to a repairer.
Free car hire when your car is being fixed.
Windscreen repair.
Medical costs.
European cover. Some car insurance companies will give you a short period of European cover to the same level as your UK cover for free, whereas others will charge a premium for this.
Protect or guarantee your No Claims Discount.
Supplementary personal accident benefit.
Many car insurers will give you a discount if you arrange your car insurance online.
A common question is "Can I drive other cars with my car insurance?" You will have to check your policy details, as it varies from policy to policy. The relevant portion of your insurance policy document is known as a Drive Other Cars extension (or DOC extension).
The insurance policy for your car will often cover you for driving another car in the UK providing you are driving the car with the owner's express consent, the owner has their own insurance on the car (although this doesn't necessarily have to cover you), and the other car does not belong to you (in which case you need to arrange specific insurance for this car) and it has not been hired to you under a hire purchase agreement. You should also be allowed to drive whatever type of car it is, as shown by your own Certificate of Motor Insurance, and further terms and conditions are likely to apply according to your own policy.
In some cases your Drive Other Cars extension will allow you to drive an uninsured car, but this is down to your own insurer and is not that common, so you must refer to your own policy or check with your insurer. Note, if you are driving an uninsured car you are also more likely to get stopped by the police as their Automatic Number Plate Recognition systems will recognise the car as uninsured.
Not necessarily. Just because you have fully comp car insurance yourself, it does not necessarily mean that you can drive other cars, you will need to check the details of your own car insurance policy and its Drive Other Cars extension. Note that many fully comp policies do allow you to drive other cars but the cover will usually be restricted to Third Party Only, so if you damage the car through your own fault, you won't be able to claim on the insurance. Other conditions may also apply such as the car owner must also have their own insurance on the car (although sometimes this is not required), the car cannot be owned by you (as you then have to arrange insurance specific to this car), the car can't have been hired to you under a hire purchase agreement, and you must be permitted to drive whatever type of car it is, as shown by your own Certificate of Motor Insurance. If in any doubt, make sure you check with your own insurance company before driving another car.
Usually, yes. However, in some cases the other person's Drive Other Cars extension will allow them to drive an uninsured car (see answer above). If any doubt, check with the relevant insurance companies before allowing the car to be driven.
Any change in your circumstances, e.g. a change of job.
Any change in which people you want insured.
Any motoring convictions incurred by those being insured.
If you change your car, you will need to arrange a new policy with the insurance company.
A change in the way your car is being used.
If your car is subject to malicious damange, i.e. it is vandalised, and you make a claim, this will normally put your premium up.
Some policies will allow you to keep your No Claims Bonus when you make a claim for vandalism.
There are some car insurance companies that say vandalism doesn't affect your NCB or premium, e.g. at time of writing (Jun 2009) Direct Line was one.
You will need to check your insurance policy to see what it says about the towing of trailers. Most insurance policies will cover you for damage caused to other people's property by a trailer being towed by your car, but there may be a maximum size restriction on the trailer. This means there is third party cover, but any damage to your trailer or your own property would not be covered. Also, the trailer is unlikely to be covered when detached from the vehicle, so any fire or theft of the trailer would not be covered and this insurance would usually have to be arranged separately.
Your UK car insurance policy will usually provide the minimum level of cover required to comply with laws on compulsory insurance for EU member countries, but you should check your own policy details to be sure. However, you may still not be covered for loss or damage to your car in the EU, even though you would be in the UK.
Your insurance company will probably require a premium to bring your EU cover up to a similar level to that which you have in the UK.
24 hour claim service.
Helpful call centre staff.
They may not wish to insure your car if it is an import.
Some insurance companies do not insure young drivers.
Theft of keys cover. Will your insurance company provide you with cover to replace your locks if your keys get stolen?
There is often a separate excess for windscreen claims.
A car insurance policy will not pay out for a theft if the ignition keys were left in or on the car.
A car insurance policy may not pay out on loss or damage as a result of confiscation or destruction of your car by a Local Authority.
We know that Swiftcover does. Other companies TBC.
Certificate of Motor Insurance - The document that shows you have the insurance required by the Road Traffic Act to be able to use your car on the public highway. The Certificate of Motor Insurance shows who is allowed to drive your car, what you are allowed to use your car for, and whether you are allowed to drive other cars.
Excess - The amount that you have to pay towards any car insurance claim, e.g. you have to pay the first £100 of any claim. Sometimes you can opt to increase the amount of excess you have to pay, known as a voluntary excess, and this can bring the cost of your car insurance premium down.
Schedule - The document giving details of the cover that you have.
Voluntary Excess - You opt to increase the excess (amount you have to pay towards a claim) in order to bring your car insurance premium down.
Insurance for Car Hire - Find the best deals and save yourself money.
Thanks for visiting our Your Car Insurance Quote page. We hope it helped find what you were looking for.
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Windscreen replacement and repair.