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Car Insurance

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In the UK, any vehicle being driven on public roads must be insured; it’s a legal requirement and so all vehicle owners will have to take out a suitable insurance policy. The law covers all motorised vehicles, and UK insurance providers tend to provide specific policies for each vehicle type. If you own a van or a motorbike, you’ll find there are products designed to cover those vehicles, but for many of us, Car Insurance is the right product.

The Basics of Car Insurance in the UK

In the UK, Car Insurance is available with different levels of cover. Higher levels of cover offer more options and protect you against a wider range of circumstances – but with that higher cover, will come a higher price. In the UK, the cost of insurance is described as the premium – for the majority of Car Insurance Policies, you will find that the insurance provider will ask you to pay either a monthly or annual upfront charge to cover the premium.

When you are looking for the best deal on UK Car Insurance, the level of cover that you choose will have an impact on the premium, so understanding Car Insurance cover is important. Nobody wants to pay any more than is necessary of course, but it is also really important that the insurance policy you choose gives you the protection you need.

Levels of Cover

UK Car Insurance usually offers one of three levels of cover – this is the case for most types of vehicle insurance. The levels of insurance cover you can choose for your car are:

  • Third Party Cover: The minimum legal requirement, Third Party Car Insurance will cover any costs arising from damage or harm caused to other cars, property or people whilst you are driving your insured car, but it won’t cover your car. With Third Party Car Cover, you will have to cover the costs of any damage – or the cost of a replacement vehicle if your car is stolen.
  • Third Party, Fire & Theft: This level of Car Insurance is one step up from basic Third Party Cover. It offers the same over for claims arising from damage to other people or property but, in addition, will also allow you to claim the costs of repair or replacement if your car is stolen or damaged by fire.
  • Comprehensive Car Insurance: The highest level of cover, a Comprehensive Car Insurance policy will include all the cover offered by Third Party, Fire and Theft policies, but will also cover a much wider range of damage to your own car. Comprehensive Insurance policies also frequently offer a range of add-ons or optional extras that may suit your particular needs – for example, offering you a level of cover when you drive somebody else’s car.

Ready to go? Save up to £504* on Car Insurance. Quickly compare quotes from over 110 providers.*

How can I keep the costs of my Car Insurance down?

There are a number of factors that influence the premium you will be quoted for UK Car Insurance. The level of cover you choose is a big factor, but it definitely isn’t the only one. Other factors that UK insurance providers will consider when they give you a quote will include:

  • How long you have been driving
  • Your postcode
  • The type of car you want to insure
  • Your average mileage
  • The type of driving you do – commuting or no commuting, for example
  • Where you keep your car – on the street, a drive or in a garage

As you can see from that list, many of the ‘risk factors’ that will be used to calculate the cost of a Car Insurance policy for you are hard to influence easily. You could move to a different area just to reduce your premiums – but most of us wouldn’t! With this in mind, the other factor to think about is which insurance provider will charge you less.

Compare Car Insurance Quotes

Insurance companies will calculate the cost of car insurance in different ways. They won’t all see the risk factors in the same light and will attach different weightings to your circumstances. It is also important to remember that the cost an insurance company quotes you is influenced by the number of claims that the company has had to cover recently – their business circumstances can be a factor. With all that in mind, you should avoid getting one quote for Car Insurance and assuming that that represents what you will have to pay. Comparing multiple quotes from a number of UK Insurers is the only way to get an accurate picture of the policies available and the range of prices you could pay.

To ensure you are getting the best possible deal for your Car Insurance, use a quick and easy Car Insurance quote comparison tool. You can then evaluate and compare all the appropriate policies that provide the cover you need. Think about policies in terms of price, coverage, excess, flexibility and the reputation of the insurer.

Car Insurance

Save up to £504* on Car Insurance. Quickly compare quotes from over 110 providers.*

No registration details? No worries!
Get Car Insurance quotes by Make and Model here >

Compare Other UK Insurance Quotes

Our partnership with Quotezone.co.uk helps you compare quotes for a range of different types of Insurance. Take a look at these Insurance categories and remember, whatever you select, it will always be quick and easy to find the right Insurance at the best price for you.

Here4Insurance have partnered with Quotezone.co.uk to help you save money on your Car Insurance. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, 5th Floor Link Building, Adelaide Exchange, 24-26 Adelaide Street, Belfast, BT2 8GD. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.