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What is car insurance?

Auto insurance is a way to protect yourself if your car is stolen, robbed, or damaged in an accident. It covers the costs of injuries for you and your passengers and also protects you if someone is injured or your car or property is damaged in an accident.

Your auto insurance pays for itself in the event of some or all of these unfortunate events, depending on the type of coverage you buy.

If you are a car owner in the UK, you are legally required to have car insurance. If you drive without insurance, you can be fined and get penalty points on your driver's license. May be excluded from driving.

The only time you don't need auto insurance is if you declare your vehicle off-road with a Road Legal Notice (SORN). You will need to keep it on private property if that is the case.

Cheap car insurance shouldn't be your only goal

While it makes sense to shop around for car insurance so you can find the best deals, having the right coverage is more important than finding the cheapest car insurance in the entire UK.

The cheapest auto insurance rate may not give you the coverage you need, and you could end up in trouble if you need to file a claim. This could cost you hundreds or thousands of pounds and you could be left without a car.

When you request your quote on an auto insurance comparison site, you need to make sure you find the coverage you need, at an affordable price.

The three levels of car insurance

There are three levels of auto insurance that you will need to choose from. They differ in price and in what they offer. Think carefully about what you need before moving forward.


Comprehensive car insurance, sometimes called all-inclusive or comprehensive insurance, covers you and your car, passengers, and property, as well as any third party involved in an accident with you. Protects your car from vandalism and theft.

Some policies also allow you to drive other people's cars. It provides more coverage than any other type of car insurance, but it is not always the most expensive.

The third, fire and theft

Third party, fire and theft insurance covers third parties involved in an accident with you. It also gives you protection if your car is stolen or damaged by fire. Remember that you do not compensate for any damage to your vehicle if you have an accident.

Only the third party

Third-party coverage is the basic level of auto insurance. It only covers any compensation you may have to pay for injuries to other people and for damage to someone else's property. It is the minimum legal requirement for all UK drivers to have this insurance.

Before deciding what auto insurance to buy, it's important to think about what might happen if you don't have a good enough level of coverage. How do you manage if you run out of a car?

Other types of UK car insurance coverage

There are several different types of car insurance that you can consider before getting auto insurance quotes.

  • Multi-car insurance is a policy that covers two or more cars in your home.
  • The car insurance black box monitors your driving using the IT box provided for your vehicle and sends information about your driving to the insurance company.
  • Student car insurance is the car insurance needed by UK temporary license holders.
  • Taxi insurance is an automobile insurance policy that covers automobiles used for commercial rental.
  • Short-term car insurance is a temporary car insurance policy that covers a short period of time, such as a week or a few months.
  • In some countries European car insurance is required. But you can drive in most European countries with standard UK car insurance.
  • Commercial auto insurance is for people who use their cars for business reasons, such as driving to attend meetings on behalf of an employer.
  • Classic car insurance is intended for classic car owners. Classic cars are often worth more money and are more expensive to repair than modern cars. This is why they sometimes need a classic car insurance policy.
  • Car insurance for those over 50 is usually cheaper because older drivers have a lot of experience. Some insurance companies sell private policies that are over 50 years old.

Find the best auto insurance policy for you

When looking at different website quotes to compare them to find the best car insurance for your needs, there are a few things to keep in mind.

Coverage before cost

Decide what type of coverage you need based on your driving habits and the situation. Then find the best auto insurance deals that suit your needs. Don't just go for cheap car insurance because you may regret it later.

Coverage level

Choosing between universal and external coverage can be difficult. If the car you are insuring is newer and you can't change it if you need to, comprehensive coverage is best for you. But, if your car is more than 10 years old or has more than 100,000 miles and is not worth a lot of money, then a third-party coverage may be better.


The voluntary increase is the minimum amount you will pay when you file a claim on your auto insurance policy. The more money you can afford, the cheaper your premium will be. It is important to choose an excess amount that you can afford or you will not be able to file a claim.

When deciding which insurance is ideal for your car, compare offers that fit your criteria.

Should you add extras to your auto insurance policy?

You can customize your auto insurance policy and get better coverage by paying to add extra benefits. These include:

  • Legal coverage
  • Deck collapse
  • Coverage for lost or stolen keys
  • No protection claims
  • Coverage for driving abroad
  • Windshield Repair and Replacement
  • Courtesy car
  • Personal injury

Be sure to check your auto insurance policy to see if any of these are included as standard. If not, consider whether it would be worth spending more to add them.

What is the lack of claims protection?

Some insurance companies reward people if they go too long without filing a claim. Typically, for every year you don't claim, you'll get a slightly higher discount on your policy renewal. This is called a no-claim bonus.

You can pay more to protect your claim-free bonus so you don't lose your discount even if you need to claim. This is called no-claims protection, and you can usually get it once you go three years without claims.

How to get auto insurance quotes?

One of the best ways to get auto insurance quotes is to do an auto insurance comparison. To do this, you will need to enter your vehicle registration at the top of this page. After that, you will need to share some details like:

Car make and model

If you know your vehicle registration number, the comparison sites will find all your vehicle details in the UK registration database. But if you don't, it is often enough to provide the make and model of your vehicle. You should also mention any modifications you have made.

Usage and mileage

It's all about what you use your car for, whether it's traveling, socializing, or working. You will also need to determine how many miles you drive in a year.

personal information

Your name, age, address, and job details.

Your license

The type of license you have can affect your insurance. This is where you can add any other driving qualifications you may have.

Claim register

You will need to confirm how many years you have earned the no-claim bonus. Or you will need to provide details of any accidents you've had or claims you've made in the last five years.

What is the price of auto insurance?

The price of your car insurance depends on many factors, which are derived from the information you provide in your request for a quote. These are called risk factors, since the insurance company bases your premium on the probability that you will file a claim. These include:

  • Annual mileage: people who drive lots of cars are more prone to accidents
  • Your occupation: Some jobs are considered riskier than others.
  • Which insurance group does your car belong to - the lower the combination, the cheaper the repair or replacement and the cheaper your car insurance
  • Your address: Since many of the claims are related to incidents of vandalism and theft near people's homes, your auto insurance company takes into account crime rates in your area.
  • How old are you? Young drivers pay more than older and more experienced drivers.
  • Register your claims - this will affect the no claims discount
  • Record Your Driving - If you have a driving record, endorsements, or points on your driver's license, you may have to pay a higher premium
  • Your criminal record - if you have convictions, it's even riskier
  • Whether you want someone else added to your policy, if you are an experienced, no-claims driver, this can lower the price of your policy.

How to Get the Best Auto Insurance Deal

While getting the car insurance that meets your needs is extremely important, you will also need to get a fair deal and some cheap rates. Nobody wants to pay more than they need.

There are a few things you can do to lower your auto insurance rate.

Reduce your risk

The insurance rate for your car depends on how much risk the insurance companies think. To reduce risks, you can protect your vehicle by installing or parking an approved alarm in a garage. You can also buy a car from one of the lower cost auto insurance groups. Cars from lower auto insurance groups are cheaper to repair or replace.

Lower the price

Auto insurance companies generally offer you a better deal if you pay your insurance annually, rather than in monthly installments. It is also useful to add experienced drivers to the cover, even if they do not use the car often.

Shopping around

By comparing car insurance rates, you can find the best deal possible. But don't get in the way of cheap insurance. You can also request a discount: the negotiation does not hurt. If you find a quote with a different insurance company, ask the current provider to exceed or match the offer. It is not a guarantee, but auto insurance companies will probably want to keep your business.

Don't forget that it is important to provide accurate information to your insurance company. It can be tempting to say someone else is the prime mover, lie about your driving record, or underestimate your mileage to drive down the price. But it is never a good idea. Lying can invalidate your insurance and you can be sued.

Once you have your car insurance, remember to also inform your insurance company if your situation changes at all, such as moving houses or modifying your car. If you don't, your insurance may be invalid. Your insurance company may cancel your policy and this will make it difficult to obtain a policy from other insurance companies in the future.

How are the miles traveled by your car calculated?

You can see how many miles you traveled in a week and then multiply that by 52 weeks to get your miles for the year. Or you can take a look at your MOT certificates to see what your mileage has been in recent years.

The more miles you drive, the greater the risk to insurers, as the more likely you are to have an accident. But it's important to be as precise as possible when doing your own insurance comparison. Your insurance company needs the correct details, so don't cancel the policy by mistake.

How do you calculate the value of your car?

There are many websites where you can get a free car evaluation. Value is based on age, mileage, make, service history, condition, and modifications. You can also check how many cars are sold like yours on the used car lists.