Car Insurance

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Why Compare Car Insurance Quotes With SimplyQuote

Looking to renew your insurance policy, or getting car insurance for the first time? Let SimplyQuote help you find and compare the best deals. 

The comprehensive quote comparison tool compares all the leading UK car insurance providers. his allows you to compare quotes side-by-side, ensuring you have a policy tailored to your needs and budget.

We source and compare quotes from hundreds of the UK’s top insurance providers. Since we’re completely independent, we can help you find the best insurance deals – within minutes!

What Do You Need To Get Car Insurance Quotes?

Before you can start comparing quotes we require the following information:

Your car details

We need your car’s make and model and registration details. Also provide us with the vehicle’s original price, current value, any modifications you made, and where you park your car.

Your personal details

Provide SimplyQuote with your name and surname, address, age, gender, occupation and if you have any medical conditions. We’ll also need to know what type of driving licence you have and the information of any additional drivers who’ll use the car.

Your driving history and experience

Your claim history, when and how you use your car (for example, domestic or business use), past driving offences or convictions and your car’s mileage.

What Does Car Insurance Cover?

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What are the different levels of car insurance?

Car insurance cover falls within these three main categories:

Comprehensive

Fully Comprehensive car insurance will provide you with the most extensive cover (and not always at the highest prices!).

It covers damage to your vehicle and other cars involved in the accident. This applies regardless of who caused the accident. It will also cover injury-related costs for anyone else involved (like pedestrians).

You may have to pay a mandatory and voluntary insurance excess, but comprehensive car insurance will cover:

  • Damage to your own car (including scratches and chips)
  • Damage to third-party vehicles or property
  • Injuries sustained by yourself or your passengers
  • Fire damage
  • Theft
  • Intentional damage or vandalism
  • Windscreen cover

Third-party, fire, and theft

This offers basic third-party protection, along with extra cover in case your motorcar is stolen or catches on fire.

This policy will cover the cost of repairing the damage to the other driver’s vehicle but doesn’t cover damage to your own car or injuries sustained by you.

Key features of third-party, fire and theft insurance include:

  • Theft car insurance
  • Fire damage
  • Damage to the other driver’s car

This type of car insurance is perfect for you if you’re looking for affordable, standard vehicle insurance with some added protection. Despite less coverage, it’s not always cheaper than comprehensive car insurance. That’s why comparing insurance costs with SimplyQuote is
essential.

Third-party-only

Third-party-only insurance is the minimum level of cover required by UK law. Although it’s the most affordable, it also offers the least amount of financial security.

This insurance will only pay out when you’re involved in an accident to cover the damage to the other car or injury to the other driver.

Note that this type of insurance won’t cover any damage to your own car if you caused the accident.

SimplyQuote is all about making car insurance easy and affordable

What Are the Different Types of Car Insurance?

Motor insurance covers different types of drivers and situations – there’s never a one-size-fits-all solution. The type of car insurance that best suits you will depend on your needs, driving behaviour, and lifestyle.

SimplyQuote allows you to explore and compare several cover options to make sure you get the right protection tailored to your requirements.

Young and inexperienced drivers

Young and inexperienced drivers pose a unique challenge to insurance companies since they’re considered higher risk due to limited driving experience.

Learner drivers

Policyholders who want to add a learner driver to their policy will have to undergo a costly, tedious process, and their no-claims bonus will be affected.

Over 50’s

Older drivers have a lot of driving experience, which is why most car insurance providers will offer lower rates to drivers over 50.

Multiple cars

Multi-car insurance provides cover to several vehicles registered at the same address. The policyholder will usually pay less for each additional vehicle added to the policy.

Business use

A standard car insurance policy will not cover your car when you use it for work. You can still drive your car to work with standard insurance, however, once your vehicle is used for work (e.g. deliveries) you will need a special business use policy.

Disabled drivers

Coverage for a driver with a disability or health issues, driving a vehicle adapted to their needs.

Convicted drivers

Having points on your licence is never a good thing, but convicted driver insurance will cover you where standard policies won’t.

Black box insurance

Black box insurance is also called telematics insurance. Your insurance provider will give you a black box which will be installed in your car and used to track your driving habits. The insurance company will be able to remotely view the data, including your mileage, driving speed and location.

Temporary car insurance

Temporary, or short-term, car insurance is a flexible insurance policy that covers a vehicle for a short period, usually from just a few hours to a couple of months.

Electric car insurance

This insurance specifically covers electric vehicles, as these cars have unique risks, like battery damage or specialised repair requirements and difficulty sourcing parts.

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Which Car Insurance Add-Ons Can I Get?

Personal accident cover

Personal accident cover provides protection for you and your passengers if anyone sustains a serious injury or dies in a car accident involving your car. It will also provide financial aid if anyone in your vehicle can’t work due to an accident.

Breakdown cover

Breakdown cover is an extremely useful add-on to any car insurance policy. It can be a real lifesaver if your car unexpectedly breaks down. Whether it’s a faulty engine or a flat tire, breakdown cover will be well worth the investment.

Motor legal protection

Motor legal protection will cover any legal expenses you incur when someone takes legal action against you because of you causing an accident. Some policies do provide legal protection, but if not, it is a worthwhile add-on to consider.

Courtesy car

When you have courtesy car cover, the insurance company will provide you with a “loan” car while your car is getting repaired. This is usually included with most comprehensive car insurance policies.

Windscreen cover

Repairing a smashed or cracked windscreen can be very expensive, and this add-on will cover that cost.

No-claims discount cover

If you’ve got a nice no-claims bonus over the years, and you get in an accident, you’ll lose that discount. But, with this cover, your discount will be protected, despite making a claim.

Car keys cover

This add-on will cover the cost of replacing your car keys, whether they’re lost, stolen or damaged.

Wrong fuel cover

Putting the wrong fuel in your car can damage the engine. With this insurance policy add-on, the costs of repairing your car due to using the wrong fuel is covered. In some instances it may also cover a portion of the fuel cost.

What Types Of Cars Can Be Insured?

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How Can You Get Cheaper Car Insurance

Consider these strategies to reduce the cost of your car insurance, while still getting adequate cover:

Compare quotes

Car insurance customers should always compare quotes. This includes looking at different policies and different insurance providers. You shouldn’t settle for the cheapest quote, either.

You need to balance your needs with what is included in the cover. SimplyQuote can simplify comparing car insurance quotes by doing all the hard work for you.

Pay annually

Most insurers will provide discounts if you pay your premium annually instead of monthly. Yes, it will require a bigger upfront payment, but it translates into savings for the year.

Drive less

Reducing your mileage means you’re less of a risk for the insurer. You can reduce your mileage by taking public transportation, carpooling, or optimising your errands so you only make one trip.

The less you drive, the lower your premiums will be.

Improve car security

By taking steps to deter theft, you can reduce your car insurance costs. Installing an alarm and immobiliser is a good place to start. Additional security features to consider include central locking, deadlocks and a tracking device. The more secure your car is, the less of a risk you are to the insurance company, and the lower your premiums.

Change your car

If you don’t want to pay a lot for car insurance, you might have to consider your car’s insurance group. Smaller cars with less power are cheaper to insure than luxury or sports vehicles.

Use a black box

Black box or telematics insurance uses a device to track your driving habits. If you drive safely (like stopping dead at stop signs and not speeding), you could see a reduction in car insurance costs.

*51% of consumers could save £504.25 on their car insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

How Much Does Car Insurance Cost?

Age GroupAverage Annual Cost (£)Average Monthly Cost (£)
18-24£1,260.49£105.00
25-34£886.44£73.87
35-44£711.65£59.30
45-65£502.30£41.85
65+£450.40£37.53

Which factors affect car insurance costs?

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Frequently Asked Questions

What is car insurance?

Car insurance is a legal requirement in the UK and you’re not allowed to drive without it. It offers you protection in the event of an accident, and can also cover personal injury.

Car insurance typically includes policies for third-party, fire, and theft, as well as comprehensive car insurance. It ensures that you, your car, and your passengers have financial security.

Why is car insurance important?

Your car insurance policy will give you financial protection should you be in an accident or have your car stolen. If you have a roadworthy car in the UK, you are legally required to have car insurance. If you drive without car insurance, you’ll get a fine of about £300, lose a minimum of 6 points on your license, or be temporarily disqualified from driving.

How do I work out my car’s value?

SimplyQuote will help you calculate how much your car is worth using its make, model, age and mileage. You can also use online tools to help you with a valuation.

Why does my occupation impact my car insurance?

Insurers base your risk on your job title. If your job is considered high-risk, your premiums might be higher. If you’re scared your job title will negatively affect your premium, don’t lie about it. If caught in a lie, your cover might be invalidated.

Who offers the cheapest car insurance in the UK?

Some of the cheapest insurance provides are:

  • Direct Line Group
  • AXA
  • Admiral
  • Aviva

However, just because they offer cheap car insurance doesn’t mean they’ll have a package to suit your needs.

Which car insurance group is the cheapest in the UK?

Group 1 is the most affordable car group to insure. This includes small, lightweight cars like the Fiat Panda and Ford Ka. The most expensive group is Group 50, which includes vehicles like the Audi A4 RS4, BMW iX SUV and Lotus Exige.

Note that insurance premiums are not just determined by the group; the insurer will also consider other factors.

Who are the top car insurance companies in the UK?

The top car insurance companies in the UK include:

  • Direct Line
  • NFU Mutual
  • Saga
  • By Miles
  • CSIS (Civil Service Insurance Society)
  • Veygo

Just because many customers feel they offer the best policies or customer service does not mean they’ll be the right fit for you. That’s why you need SimplyQuote’s car insurance comparison service.

Why is my car insurance so expensive?

Your insurance premium is determined by how much of a risk you are deemed by the insurance provider. Your age, address, and the car you drive are all considered. If you are considered a risky driver, have had a lot of insurance claims, or live in a high-crime area, your insurance cost is likely to be higher.