Compare Car Insurance Not on Comparison Sites

Some insurance providers do not list their car insurance on comparison websites. They may prefer not to show their policies there. These providers could be trying to keep costs down, offer coverage that meets personal needs, or stay connected with their customers.

Yes, you can check car insurance quotes from insurance providers that are not listed on price comparison sites. These companies often have direct policies. You can compare their prices with several other car insurance providers to find the best deal.

Many insurance companies have forms on their websites. You can fill out these forms to get a personal quote. However, you must visit each company's website to do this. This can take a lot of time.

You can make it simple to find car insurance by using Free Price Compare. This website lets you look at more than 100 insurance providers in one spot. It also shows quotes from companies that other sites might miss. This way, you can get the best level of cover at a good price. You won't lose any chances to save money.

Types of Motor Insurance Covers Available

When you think about car insurance, it's important to know the different types of coverage. The right policy for you will depend on your needs, the level of cover you want, and how much your car is worth.

Third-Party Only Insurance

Third-party cover is the simplest kind of motor insurance you must have by law in the UK. It protects you from:

• Damage to property owned by others
• Injury to other drivers, passengers, or pedestrians
• You are responsible for damage caused by any named driver on your policy

It does not cover any damage to your own car.

Third-Party, Fire and Theft

This policy gives help and safety from third parties for:

• Fire damage to your car
• Theft or attempts to steal your vehicle

It offers more protection than standard third-party insurance. However, it will not cover damage to your own car if you are in an accident.

Comprehensive Car Insurance

Comprehensive cover offers the highest level of cover available.

• The items listed are for third-party, fire, and theft.
• If you damage your own car, it is covered.
• Windscreen cover will help fix or replace your windscreen.
• You can get personal accident cover for injuries.
• You can add breakdown cover if you wish.

Comprehensive car insurance is usually the best option. It offers more protection for you. Sometimes, it might even be cheaper than third-party plans. Insurance companies look at different risk factors when setting prices.

Insurance prices can vary for different reasons. These reasons include your driving licence record, the penalty points you have, the type of cover you pick, and the voluntary excess you select. Here is an estimate of average costs from direct insurers:

Note: The prices listed here come from market research and public information. Actual costs may change based on your individual circumstances and the rules of insurance companies.

If you picked a car insurance provider last year that is not listed on comparison sites, you might think your renewal quote will be reasonable. But, some insurers give discounts to new customers. Because of this, your car cover could end up costing much more when it’s time to renew.

Your insurance company will send you an email or a letter about your new payment for renewal. This message will explain the new cost. Before it renews by itself, it is worth checking to see if you can find a cheaper car insurance policy somewhere else.

To do this, look at insurance quotes with Free Price Compare before your renewal date. Use the same details as your current policy. This way, you can compare the cost of car insurance from more than 100 insurers. It helps you find the best level of cover for the best price.

Why You Should Always Compare Your Renewal Quote

Here are some reasons to consider different options before you renew:

• Possible price increases - Some companies might raise your car insurance excess after the first year.
• Different levels of cover - You may find a policy with better third-party fire or comprehensive cover at a lower price.
• Changes to your policy - If your driving record changes, like getting more penalty points, your insurance provider could increase your premium.
• Personalised policies - If you are an older or younger driver, or if you want black box car insurance, other companies might have better offers.
• Extra discounts - Insurers may provide things such as a claim discount, lower insurance quotes, or extra coverage for vehicle repair costs.

Page last updated on: 13/03/2025

Page reviewed by: Shay Ramani