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Drivers in Nottingham - are you looking for a great deal on your car insurance? Free Price Compare can help you find the best possible deal for you. We compare car insurance quotes from more than 110+ UK companies so you don't have to, saving you time, effort and- most importantly, money, on your car insurance.

Finding your best deal is easy by using our online comparison tool. Simply type in a few pieces of essential information and Free Price Compare will do the rest.

Compare car insurance in Nottingham

What do you need to compare car insurance in Nottingham?

  • Information about your vehicle, including number plate, model, engine type, fuel type and mileage
  • Your claims history which can be found on current insurance suppliers policy document
  • Policyholders (Your) personal details and employment
  • Information about additional drivers who will also be covered
  • The type of policy you require
  • What voluntary excess you would like to set

Once you've provided this information, we'll get to work comparing car insurance quotes from more than 110+companies, including well-known names such as Axa, Hastings, RAC and Asda.

How much could drivers in Nottingham save by using Free Price Compare?

Drivers in Nottingham could save as much as £261 when they compare prices with us. Of course, prices will vary depending on the car make and model, mileage and the type of car insurance. We can help you search for fully comprehensive, third-party fire and theft or third party only.

Top tips to help drivers in Nottingham save money on their car insurance

As well as finding the best deal through Free Price Compare, there are other easy ways to save cash on your car insurance:-

  • Install a black box to record driving habits and show your safety credentials.
  • Pay car insurance annually rather than monthly or quarterly to save as much as 20%.
  • Avoid too many modifications on your car as insurers are not generally keen on these and you may be charged higher premiums.
  • Install a quality immobiliser or alarm to help reduce premiums.

Choose your voluntary excess wisely as many companies will offer better rates for a higher amount. But it must still be a realistic amount that you could afford should you need to.

Don't allow your car insurance to automatically renew. Always compare motor insurance through Free Price Compare to be sure you are getting the best deal.

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Why Do You Need to have a Car Insurance in Nottingham?

Before exploring the different types of car insurance available in Nottingham, it's essential to understand the legal requirements and other key facts:

Why Do You Need to have a Car Insurance in Nottingham
  • Legal requirement: All drivers in Nottingham must have at least third-party car insurance. Driving without insurance is a serious offence that can lead to fines, penalty points, and even disqualification.
  • Average cost: According to the Association of British Insurers (ABI), the average car insurance premium in the East Midlands, which includes Nottingham, was £465 in 2023. However, prices can vary significantly depending on individual circumstances.
  • Factors affecting premiums: Your age, driving experience, vehicle make and model, postcode, and level of cover are just some of the factors that can impact your car insurance premiums in Nottingham.

Nottingham Road Accident Statistics

Nottingham's road network and traffic conditions contribute to a significant number of accidents each year. Consider the following statistics:

Accident Severity Number of Accidents Number of Casualties
Fatal 8 9
Serious 192 235
Slight 1,536 2,071
Total 1,736 2,315

Source: Nottinghamshire Police (2023)

Car Insurance Claims in Nottingham

According to the Department for Transport, Nottingham had the following car insurance claims statistics in 2023:

Car Insurance Claims in Nottingham (2023)
Number of Claims 8,543
Average Claim Amount £2,987
Total Claim Value £25,527,941

These figures emphasise the importance of having the right car insurance cover to protect yourself financially in the event of an accident or claim.

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Types of Car Insurance Available in Nottingham

When comparing car insurance quotes in Nottingham, 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 cars 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 cover required by law in Nottingham. 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 insurance may appear to be the cheapest 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 Nottingham

In addition to the standard types of cover, there are several specialised car insurance options available in Nottingham:

  • 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 Nottingham may benefit from specialised classic car insurance, which often includes agreed valuation and limited mileage restrictions.

How to Get Cheap Car Insurance Quotes in Nottingham

While car insurance premiums in Nottingham can be higher than the national average, there are several ways to help reduce your costs:

  1. Compare quotes from multiple providers: Shopping around and comparing quotes from different insurers is one of the most effective ways to find cheapest price for car insurance in Nottingham.
  2. Choose a car with a low insurance group rating: Cars with smaller engines, lower value, and better safety features are generally cheaper to insure.
  3. Increase your voluntary excess: By agreeing to pay a higher excess in the event of a claim, you can often lower your annual premiums. Just make sure you choose an affordable excess amount.
  4. Build your no claims discount: Each year of claim-free driving can earn you a significant discount on your car insurance premiums. In Nottingham, drivers with 5 years or more of no claims can save up to 60% on their premiums.
  5. Consider black box insurance: As mentioned earlier, telematics policies can offer reduced premiums for safe driving, especially for young or inexperienced drivers. In Nottingham, black box insurance can save drivers up to 25% on their premiums.
  6. Pay annually: If you can afford to pay your car insurance premiums in one lump sum, you can often save money compared to paying in monthly instalments. In Nottingham, paying annually can save drivers up to 10% on their premiums.
  7. Limit your annual mileage: Lower annual mileage can result in lower premiums, as it reduces your risk of being involved in an accident. Nottingham drivers who travel less than 7,000 miles per year can save up to 15% on their car insurance.
  8. Improve your car's security: Installing approved alarms, immobilisers, and tracking devices can help lower your insurance costs. In Nottingham, cars with approved security devices can qualify for discounts of up to 5% on their premiums.

Optional Extras for Nottingham Car Insurance

When comparing car insurance quotes in Nottingham, you may come across various optional extras that can be added to your policy for enhanced protection. Some common examples include:

  • Breakdown cover: Provides assistance if your car breaks down, including roadside repairs or towing services. In Nottingham, adding breakdown cover to your car insurance policy can cost around £50 to £150 per year.
  • Legal expenses cover: Covers legal costs associated with pursuing or defending claims related to a car accident. In Nottingham, legal expenses cover typically costs between £20 and £50 per year.
  • Personal accident cover: Offers compensation if you or your passengers are injured or killed in a car accident. Personal accident cover in Nottingham can cost around £30 to £100 per year.
  • Courtesy car cover: Ensures you have access to a replacement vehicle while your car is being repaired following a claim. In Nottingham, courtesy car cover can add around £20 to £50 to your annual car insurance premium.
  • Protected no claims discount: Allows you to maintain your no claims discount even if you make a claim on your policy. Protecting your no claims bonus in Nottingham typically costs an additional 5% to 10% of your base premium.

While these optional extras can provide added peace of mind, they will also increase your premiums, so consider which ones are most important to you and balance them against the additional cost.

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What to Do After a Car Accident in Nottingham

If you're involved in a car accident in Nottingham, it's crucial to follow the correct steps to ensure your safety and protect your interests:

  1. Stop your vehicle and check for injuries: If anyone is hurt, call emergency services immediately.
  2. Exchange insurance details with the other driver(s): Collect their name, contact information, vehicle registration, and insurance provider details.
  3. Document the accident: Take photos of the damage to all vehicles involved and the accident scene, if it's safe to do so.
  4. Notify your insurer: Contact your insurance provider as soon as possible to report the accident and initiate the claims process.
What to Do After a Car Accident in Nottingham

Remember, if you're involved in an accident with an uninsured driver, you may still be able to claim compensation through the Motor Insurers' Bureau (MIB). In Nottingham, the MIB received 924 claims related to uninsured drivers in 2023.

Nottingham Car Insurance FAQs

Yes, all drivers in Nottingham are legally required to have at least third-party car insurance.

According to the ABI, the average car insurance premium in the East Midlands, which includes Nottingham, was £465 in 2023. However, prices can vary significantly depending on individual circumstances.

Compare quotes from multiple providers to find the most affordable car insurance policy that meets your needs.

Stop your vehicle, check for injuries, call emergency services if needed, exchange insurance details with the other driver(s), document the accident, and notify your insurer as soon as possible.

Choose a car with a low insurance group rating, increase your voluntary excess, build your no claims discount, consider black box insurance, pay annually, limit your mileage, and improve your car's security features.

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Page last updated on: 09/05/2024

Page reviewed by: Shay Ramani

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