Car Insurance News

The car insurance loyalty penalty was banned in the UK on 1 January 2022., so an insurer must not charge a renewing customer more than an equivalent new customer for the same policy bought through the same channel. This rule, introduced by the Financial Conduct Authority, stopped the practice known as price walking, where premiums […]

Does car insurance cover engine failure? In most cases, no. Standard UK car insurance, including comprehensive cover, will not pay to repair or replace an engine that fails through mechanical breakdown, a fault, or normal wear and tear. Insurers only cover engine damage when it is caused by a separate insured event, such as a […]

Learners car insurance is short-term or annual cover that lets a provisional licence holder practise legally in their own, a friend’s or a family member’s car. Anyone driving on a UK public road must have valid insurance, including learners, so this cover is a legal requirement under the Road Traffic Act 1988 while you build […]

Pay excess not at fault is a real and common outcome in UK car insurance: if you claim through your own insurer after a crash that was not your fault, you will usually pay your excess upfront, then reclaim it once the other driver’s insurer accepts liability. The excess is not a penalty for being […]

Does car insurance cover fire damage? Yes, but only if you hold the right level of cover. Both comprehensive and third party, fire and theft (TPFT) policies cover fire damage to your own car. Third party only (TPO), the legal minimum under the Road Traffic Act 1988, does not cover any damage to your own […]

An AA car insurance quote is a price given by the AA acting as a broker, which places your policy with one of more than a dozen panel underwriters rather than insuring you directly. The quote you see reflects whichever underwriter on the AA’s panel offers the best price for your details, and the underwriter’s […]