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 […]

Modified car insurance explained simply: it is cover designed for cars that have been changed from the manufacturer’s factory specification, whether that change is cosmetic or performance-related. A modification is any alteration that was not part of the car when it left the factory, including parts fitted by a dealer, a previous owner, or you. […]