Compare Car Insurance in Leicester

Compare Cheap Car Insurance Quotes in Leicester

Car insurance costs vary quite significantly by location and it is therefore important that you enter your postcode correctly so that the relevant information is returned from our database when collecting quotes for you. The wrong postcode on a policy can invalidate claims!

Leicester is one of the largest 15 cities in the UK (by population) and it is well-known that Car Insurance costs more in cities than in small towns or rural areas. This is usually because many cities have a higher crime rate, and drivers are more likely to be involved in accidents when in a built-up area. These factors will bump up the insurance premiums due to the insurer's risk assessment.

Despite being a fairly large city, Leicester is not as expensive for car insurance as the likes of London, Liverpool, or Manchester. According to research, Liverpool is the most expensive major UK city for car insurance followed by Manchester, Birmingham, Bradford, and London. By contrast, the cheapest cities were Aberdeen, Perth, Truro, Inverness, Winchester, and Swansea.

What other factors influence the cost?

As well as your Leicester postcode, there are many other things that insurers take into account when working out your premiums. The most notable of these are your age, the make, model and age of your vehicle, where the vehicle is kept overnight (street or garage), how long you have been driving, your driving record/history (fines, claims, accidents etc.) and the size of your no claims bonus.

How we can help?

Here at Free Price Compare, we do all the legwork for you. We use our extensive and constantly-updated database to find you a selection of the cheapest and best-value deals and then let you choose the best for you.

When it comes to Car Insurance, we compare prices from hundreds of insurance providers including both big-name brands and smaller companies. We will display the deals for you with the cheapest first but you are able to filter and sort the results as you wish and then make an informed decision about which option to go with. In almost all instances we are able to get quotes that are the same or less than if you were to approach the insurer directly.

Drivers in Leicester can find the best deals on car insurance by comparing quotes from over 110 providers. Whether you're looking for comprehensive cover, third-party policies, or specialised options like black box insurance, comparing quotes is the key to finding affordable car insurance in Leicester.

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Types of Car Insurance Available in Leicester

When comparing car insurance quotes in Leicester, you'll typically choose between three main types of cover:

1. Comprehensive insurance: This is the highest level of cover, protecting you against damage to your own car as well as third-party claims for injury or property damage. Comprehensive policies often include additional benefits like Courtesy Car and windscreen cover.
2. Third-party, fire, and theft (TPFT) insurance: TPFT cover includes protection against third-party claims, as well as theft of your vehicle and fire damage. However, it does not cover damage to your own car in an accident where you're at fault.
3. Third-party insurance: This is the minimum level of coverage required by law in Leicester. It only covers claims made by other people for injury or damage to their property caused by your vehicle. Third party insurance does not provide any cover for damage to your own car.

While third party Car Insurance may appear to be the cheapest price option, it's crucial to consider the potential financial consequences of not having adequate cover in the event of an accident.

Specialised Car Insurance Options in Leicester

In addition to the standard types of cover, there are several specialised Car Insurance options available in Leicester:

• Black Box Insurance: Also known as telematics insurance, this type of policy involves installing a small device in your car to monitor your driving habits. Premiums are then adjusted based on your driving behaviour, which can be particularly beneficial for young or inexperienced drivers.
• Multi-Car Insurance: If you have more than one car in your household, a multi-car insurance policy can often be more cost-effective than insuring each vehicle separately.
• Short-Term Car Insurance: For those who only need car insurance for a short period, such as a few days or weeks, short-term policies can provide flexible cover without the commitment of an annual policy.
• Classic Car Insurance: Owners of classic or vintage vehicles in Leicester may benefit from specialised classic car insurance, which often includes agreed valuation and limited mileage restrictions.
• Taxi insurance: With Leicester being a busy city, taxi insurance policies cater to the specific needs of taxi drivers, including cover for multiple passengers and business use.

What to Do After a Car Accident in Leicester

If you're involved in a car accident in Leicester, follow these steps to ensure your safety and protect your interests:

1. Stop and check for injuries: Stop your vehicle and check for any injuries to yourself, your passengers, and anyone else involved. Call emergency services if necessary.
2. Exchange details: Share your insurance and contact details with the other driver(s) involved, and collect their information as well.
3. Document the accident: Take photos of the damage to all vehicles and the accident scene, if it's safe to do so. Make notes about the circumstances of the accident.
4. Notify your insurer: Contact your insurance provider as soon as possible to report the accident and start the claims process.

If the other driver is uninsured, you may still be able to claim compensation through the Motor Insurers' Bureau (MIB). In 2023, the MIB received 684 claims related to uninsured drivers in Leicester.