Car Insurance News

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. […]

Allianz car insurance is sold in the UK as Allianz Online Car Insurance, with three cover tiers — Gold, Silver and Bronze — backed by one of the world’s largest insurance groups. Allianz Insurance plc is a UK-incorporated insurer (company no. 00084638, registered in Guildford) and acquired LV= General Insurance outright in 2020, making it […]

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 […]