Car Insurance News

Is car insurance valid without an MOT? In most cases, no. A valid MOT certificate is normally a condition of your car insurance, so letting it lapse can give your insurer grounds to refuse or reduce a claim. The exact position depends on your policy wording and what you are claiming for, but driving on […]

How many years no claims bonus can you build depends on your insurer, but most UK providers cap the discount at 9 years. A small number stop earlier, at around 5 years, while others let you keep accumulating up to 15 or even 20 years. After you reach the cap, you hold that maximum discount […]

England car insurance costs an average of £560 a year based on prices customers actually pay, according to the Association of British Insurers Motor Insurance Premium Tracker (Q1 2026). Where you live in England makes a large difference: drivers in the South West pay around £504 while those in Inner London pay closer to £1,088 […]

No deposit car insurance is a marketing term for paying for your cover in 12 equal monthly instalments rather than one annual lump sum. It does not mean free cover or driving now and paying later: you still pay your first monthly instalment before your policy starts, so there is always money to find on […]

Windscreen cover and ADAS calibration often go together on modern cars, and a UK comprehensive policy may pay for both when you claim for a chipped or cracked windscreen. Windscreen cover is the part of a car insurance policy that pays to repair or replace your windscreen (and often the other glass), while ADAS calibration […]

Is car insurance cheaper when you retire? Often it is at first, but not automatically. Retirement itself does not trigger a discount; the price moves because the things insurers price on, your mileage, how you use the car, and your occupation code, tend to change when you stop working. Whether your premium falls depends on […]