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What information do I need to get cheaper car insurance?

Your vehicle information

Start by entering your vehicle number plate and verify your vehicle to make sure we are showing correct details about your car. Car insurance cost varies per car and it depends on various factors such as car model, engine type, fuel type and annual mileage.

Your claim history

It is important to provide your previous claim history (for the last 5 years) as it will affect your insurance prices. If you have a no claims bonus, it will help reduce your car insurance costs.

Your personal details

The insurance company will need to know your personal details such as name(s), age and occupation and you will also need to answer a few questions about your driving license.

Other driver information

If you add an additional driver or drivers then you are required to provide their personal information. By adding additional drivers it could affect the prices offered by an insurer.

Type of policy

Your tailored prices will be based on type of policy you go ahead with. You can choose from fully comprehensive, third party fire and theft and third party only.

Voluntary excess

You will be asked to set up a voluntary excess while taking out a car insurance policy. The higher the excess the lower the monthly premium will be. However, you will need to pay both the voluntary and compulsory excess when making a claim so ensure you select a realistic figure for this so it does not put you off making a claim.

It is very important that you have above information when you are ready to compare car insurance

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Why should I takeout a car insurance policy?

In the United Kingdom, It is against the law to drive without car insurance. Car insurance protects you, other motorists and damage to property incurred during an accident.

What are the different types of car insurance policies?

The available car insurance policy options are -

  • Third party only - is the minimum requirement for all vehicles
  • Third party fire and theft - provides cover to other people involved in the accident and protects your car in case your vehicle is damaged in a fire or stolen.
  • Comprehensive insurance- provides full cover to your car and other involved in the accident

We recommend you to take a look at the pros and cons of all the different types to make an informed decision.

What you'll need to have ready before you start comparing car Insurance quotes?

Each car insurance quote is different. To provide you with a car insurance quote we will need the information listed below.

  • Driving License Details
  • Car Registration Number
  • Estimated annual mileage
  • Where your car's parked during days and night
  • Purpose of your car such as business use, commuting, social etc.
What is a no claims bonus? Is it applicable to my second car?

If you haven't claimed on your car insurance for a consecutive period of time, then you should get cheaper premiums. The No claims bonus/discount only applies to one car.

How can I get cheap car insurance quotes?

Pay your premium annually

You can reduce your insurance cosy by around 20% by paying annually. If you are paying monthly or quarterly you can save lots of money by switching to annual payment.

Get a Black Box installed

You can ask your insurer to install a telematic or a Black Box device that records your driving habits such as mileage and speeds which can show that you are a safe driver and as a reward, they will reduce your premiums.

Use your no claims bonus

If you have a history of no claims then you are most like to get better rates offered by insurance companies.

Reduce annual mileage

If you are driving less miles annually this can help to show that you have a low risk of having an accident which can also help reduce your annual premium however, do not lie about your annual mileage as any incorrect details will invalidate your policy.

Avoid auto renewal

Usually auto renewal is lot more expansive then comparing car insurance with us, over a third of UK motorists let their insurer auto renew their policy thus not getting the best price. Compare motor insurance with and see how much can save by switching away.

Increase Voluntary excess

Most of the insurance companies are likely to offer you better rates if you are willing to increase your voluntary excess. You are liable to pay voluntary excess and compulsory excess in the event of an accident so make sure this amount is realistic for you to both afford and still claim if you need to.

Avoid car modifications

If you modify your car most insurance companies will charge you extra for any modification carried out to cover the cost of replacement or any repairs. Generally, insurers don’t like to provide vehicle cover on modified cars which means few suppliers will prove you with quotes.

Vehicle security

A lot of the newer cars have a factory fitted immobiliser, if yours doesn’t you should consider installing immobilisers and alarms within your vehicle to reduce risk of theft and reduce your renewal quotes. Motor insurers generally prefer “Thatcham approved” devices and these will offer the greatest savings. Thatcham Research are an independent company that rank each immobiliser and alarm into different categories and the top perform earn “Thatcham Approved” status.

Types of car insurance policies

Fully Comprehensive

It offers highest level of cover for you and will be bit more expensive when compare to other types of policies. However, it covers your vehicle and cover the cost for 3rd party vehicles in an accident. It also covers, fire and theft. Some fully comprehensive policies also allow you to drive any other vehicle on a 3rd party only basis.

Key information

  • Offers highest level of vehicle cover
  • Provides cover for your and 3rd party vehicle
  • Provides cover for theft and fire
  • One of the most expensive covers but the most comprehensive

Third party fire and theft

It is cheaper than comprehensive cover but it will only provide you with basic third party cover which means it will cover damages to other car(s) (a third party) in an accident that is your fault but not yours, it also covers theft and fire.

Key information

  • Usually cheaper than Comprehensive cover
  • Provides cover for other people’s property and injuries
  • Provides cover if your car is stolen or involved in a fire
  • If you are responsible for damages than it won’t cover you or your car

Third party only

Third party only cover tends to be the cheapest and will only pay out if you have damaged another person’s property or a vehicle. It will not pay out for any repairs that you carry out on your own vehicle nor will it pay out if your vehicle is stolen or is involved in a fire.

Key information

  • Legally required cover for you to drive a car
  • One of the cheapest vehicle insurance cover available
  • Provides the most basic cover
  • Only covers third party and their property damages
  • It will not provide any cover for you or your vehicle

Car insurance tailored to your need

The cover you require is entirely dependent on your personal circumstances, such as the vehicle you drive, where and how you drive. You can choose to add additional add-ons such as legal cover, hire car included and windscreen protection to help you find the right motor cover policy. You can compare car insurance quotes with us to find cheaper policy which suits your needs.

Young drivers insurance

Policies for younger drivers tends to be on higher side due to lack of driving statistics show that it is a high risk group for accidents. You can reduce your premium by taking advance driving certification and higher Voluntary excess but this needs to be a figure that you can afford and will also not put you off making a claim.

Learner drivers insurance

Learning to drive in the UK can be very expensive and stressful, if you are learning how to drive in your car, your family’s car and friend’s car then you need to get a learner drivers insurance policy. Your cover would vary depending on the level of cover you go ahead with but it can give you valuable experience on the road without paying for a qualified instructor (an experienced driver over the age of 25 must be in the car with you when you drive).

Multi car insurance

Multi car insurance is specifically designed for those who have more than one car within their family. By insuring multiple cars with the same insurer, you can save hundreds of pounds as they offer more discount to insure all of the cars with them. You can insure all cars under 0ne policy which means less paper work too.

Classic car insurance

It is a special type of insurance and designed to insure classic cars which are usually a lot more expensive and in some cases older than 30 years. Classic car insurance is for vintage cars.

Telematics vehicle insurance

This is also known as a black box, your insurance provider will monitor you’re driving habits via mobile app or a black box installed in your vehicle. If you are a safe driver, you insurer might reduce your insurance premium.

Business car insurance

If you are using your car for business purposes or your employer requires you to drive on behalf of them then you should look to get business car insurance policy. You can do this very easily at the start of the quote when it asks if you will be using the car for SDP (social, domestic and pleasure), SDP and commuting or SDP, commuting and business

Short term car insurance

If are borrowing a car from friends or family for short term then short term insurance can be for you. You are only driving car once in a while, short term insurance can cheaper than annual policy.

European car insurance

All motor insurance policies come with a cover which allows you to drive in most of the EU countries; however you may be required to purchase additional cover for some countries.

Over 50’s car insurance

Over 50’s insurance can be cheaper due to vast driving experience. Some insurers offer specialised cover for those who are over 50’s

Additional cover options and upgrades

Courtesy car

When you are involved in an accident and your car is damaged, your insurance provider can provide you with a courtesy car while your car is being repaired by an approved garage.

No claim bonus


No claim bonus helps you get cheaper cover every year. Every year you don’t claim on your insurance you can add a year to your claim free period. You can also protect your no claim bonus when agreeing to take out new policy. Your insurer will send you proof of no claim bonus with your renewal offer.


Break down cover

Break down cover offers three different levels of cover you can choose from

  • 1) Recovery and home start
  • 2) Roadside assistance and recovery
  • 3) Roadside assistance

You can get cheaper break down cover by comparing and buying separately so make sure you compare car break down cover prices too.

Personal injury cover


Personal injury cover can help you get compensation for any injuries caused by a car accident. Claim limits can vary per supplier and in some cases passengers are covered too.

Lost or stolen keys cover


If your keys are stolen or lost, lost key cover can help you fund the cost of replacing your keys and if required the locks. Some of the smart keys can be very costly to replace these days, that’s without taking into any consideration of other cost whilst you can’t use your vehicle such as hiring another vehicle.


Legal expenses cover

If you are involved in a car accident which is not your fault, legal assistance cover can help you recover expenses from the person who is responsible. It can also help you defend any claims bought against you.


Windscreen replacement and repair cover

It provides covers for the repair of cracks and chips to your car’s windscreen, some insurance companies proved this cover for free. If your windscreen can’t be repaired, it can also provide a cover for replacement windscreen; however you might have to pay an agreed windscreen excess which is considerably lower than a new windscreen.

What are car insurance groups?

Car insurance groups are one of the main factors used to make an informed decision about the risk insurance providers might face when providing a cover for the car. If car found in higher insurance group, your premium will be higher too.

There are 50 types of insurance groups. Group 1 being the cheapest and group 50 being the most expensive type which was introduced by Thatcham back in 2007.

Insurance Group Range Car models and Manufacturers
1 -10 Volkswagen Golf, Citroen C1, Vauxhall Corsa, Audi A1, Ford Ka
11-20   Kia Picanto, Fiat 500, Audi A3, Honda Civic, Mini Countryman
21-30BMW 1 Series, Audi Q5, Mini Cooper S,  Land Rover Freelander
31-40 Porsche Boxster, BMW 5 Series, Audi TT, Ford Mondeo, Lexus IS
41-50Volvo XC90, Infiniti M, Audi R8, Volkswagen Phaeton, Citroen C6

Car Insurance Frequently asked questions

By law you are required to be insured as third party on any vehicle you are driving on the UK roads or public places in the UK.

If you have notified DVLA that you are no longer driving your car and have taken your vehicle off the roads which is known as SORN, then you are not legally required to take out a cover for your car, but just bear in mind that should the vehicle be damaged or stolen it will not be insured.

Usually your policy will last for 12 months but you can take out specialist insurance for a shorter period of time. This tends to be if you are going on holiday and sharing the driving or you will be borrowing a friend’s car for a week or so. You can take out cover from 24 hours to 21 days.

Third party only cover will be cheapest in most cases. However, because it only pays out if you have damaged someone else’s property or vehicle you will be left to pay for the damage to your own car.

Legally you need to be insured before you drive any car. You can either be added to their policy by contacting their existing insurance provider or you can take out a short-term specialist policy. Some fully comprehensive policies allow you to drive another car on a third party insurance basis, but think of the possible repair bill to the car you will be driving before jumping behind the wheel.

According to national statistics, drivers under 25 are more likely to have an accident which increases the risk for an insurer to pay out which therefore increases the premium. You’ll notice drastic price change once you turn 25 or get some no claims bonuses.

Yes, you can protect your no claim bonus while taking out a policy. If you have history of no claim bonus you are more likely to get better insurance quotes. Each insurer has a different policy regarding the cost and protection but typically, the insurance of the no claims is 10% of the policy cost and it allows you to make 2 “at fault” claims in a 3-year period

  • You could get a penalty of £300
  • Get 6 points on your driving license
  • The police can clamp the vehicle and destroy it
  • You can also face prosecution with an unlimited fine and be banned from driving any vehicle in the future.

If you supply incorrect information to your insurance company, they can invalidate your insurance. You need to make sure you provide them with correct information about you, your address, vehicle details, any penalty and claim history. If you have any health conditions such as poor eyesight, have suffered a stroke or suffer from epilepsy, you must also inform the DVLA and your insurer.

NCB is also known as no claim bonus or NCD is also known as no claims discount. It means if you haven’t claimed on your insurance for number of years then you get a discounted quote from various insurance providers. You receive this discount because you are perceived as a lower risk to insurance because you have proof of being accident free.

When your existing policy comes to an end, your insurer will send you proof of no claim bonus with your renewal quote. If you insure your vehicle with another provider then you’ll be asked to send them the proof of no claim bonus document to them, you will need to do this within the first 14 days of the new policy starting.

It depends on individual insurance company; you can check with them before taking out a policy. Usually if your no claim bonus is from outside Europe then insurance company is more likely to reject your NCB.

All fully comprehensive car insurance policies bought in the UK will come with the third party cover to drive in the Europe. However, you should check with your insurance provider if you are covered for damage and theft while driving in the EU. If you are insured it is normally only for a limited number of days, you can not insure your car in the UK and move to Spain and keep the same insurance.

Under specialised insurance you can insure your car against theft which is known as “laid up cover”

By law car insurance companies have to adhere to the “Equalities Act 2010” when providing quotes and they are not allowed to increase your premium or excess based on medical condition, unless they are able to evidence that it will increase the risk of you making a claim under a policy. You can also look at specialist insurer or government motability scheme which can help you reduce your costs.

Yes, you can but you have to specify that you don’t own the car and state who does own it while taking out the vehicle cover policy.

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*Car Insurance: 51% of consumers could save £264.64 on their car insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.

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