Click the quote button below to get a fully comprehensive car insurance quote, also known as a fully comp.


Only need 3rd Party, Fire and Theft cover? Click the quote button to compare car insurance providers today.


Looking for just 3rd Party cover, no problem, click the quote button below to compare and save on car insurance.


If you are only looking for temporary cover for 1-28 days, find short term car insurance quickly and easily here.

Car Insurance

If you drive a car, then you need car insurance. But the type of policy and cost can vary greatly depending on your circumstances.

Did you know that car insurance is 16% more expensive than a year ago?* And this rise is likely to continue indefinitely. So if you don’t want to be paying through the nose, it’s important you look around and compare prices to make sure you’re getting the best deal. Utility Saving Expert offers you a quick and easy way to compare the policies of the leading car insurers so you can find the right cover at the right price, and potentially lock into a lower premium for the duration of the policy.

Why do I need car insurance?

If you drive a car, then having car insurance is a legal requirement. Failing to have a car insurance policy in place is against the law and can lead to a fine of up to £5,000 and possible disqualification from driving for a period of time.

You need car insurance because if someone steals your car or it is involved in a road accident, then your car insurance will cover the costs. The aim of car insurance is to protect other road users in the event that you come in contact with and cause damage to their vehicle.

A standard policy will usually cover a single car for 12 months, for which you will pay monthly premiums. Very simply, the premium you pay is based on how much of a risk the insurers believe you to be to other road users, based on your age and experience. A new, young or inexperienced driver, for instance, or someone who has had an accident previously is more of a risk than an older, experienced driver who has been using the road for many years. If you are under 25, your premiums are likely to be higher.

The cost of your premium is also affected by the level of security on your car, as a prevention against theft as it reduces the likelihood of a claim against theft. By staying accident-free and ensuring your car is kept in a safe place such as a garage, or is fitted with an alarm, you can lower your premiums significantly.

A No Claims bonus is a discount that is applied to your insurance policy that takes into account the number of years in which you haven’t made a claim on your car insurance policy. The amount of discount that you will receive will depend on the policy and it varies from insurer to insurer. The more years on your No Claims bonus, the more discount you will receive.

Additional Information
Policy Overview
No Claims Bonus (NCB)
Car Insurance Groups

Useful Guides
No Deposit Car Insurance
How To SORN Your Car
MOT’s Made Simple


What type of cover should I get?

When you take out car insurance, the amount of cover you get will depend on you and your circumstances. The three most common types of cover available are:


Comprehensive car insurance offers you the most protection, insuring other people and their property, and you and your car in all circumstances including fire, theft, vandalism, accidental damage, windscreen damage and loss of personal effects. With some fully comprehensive car insurance policies, you will also be insured to drive another car.

Since they offer the most benefits, it’s often thought by some that comprehensive policies are the most expensive to buy but this isn’t necessarily true, so it pays to look around.

Comprehensive policies also tend to have cover for windscreen damage. Some insurers also offer the option of a courtesy car or breakdown cover with comprehensive policies. Bear in mind that some people might refer to comprehensive insurance as being ‘fully comp’, but this does not necessarily mean that it includes everything, so please ensure you understand the terms of the policy before you purchase the policy.

Third-party, fire and theft 

Third-party, fire and theft offers the same level of cover as third party, in that it covers any third party and their property in the event of an accident which you caused, but also, it includes cover for your own car if it is damaged by fire or stolen. It will not pay out if you damage your own car in an accident that was your fault. And you would not be able to make a claim if you suffered any injury.

Third Party

Third-party is the most basic level of cover available and is the minimum level required by law. If you have an accident, third party insurance insures against damage you’ve caused to someone else or their property including your passengers. It will only cover other people (third parties) involved, including damage to other vehicles, injury to other people and animals and damage to property which is caused by you, the policy holder. It will not cover damage to your car or injuries to yourself.


There are also variations to the above policies, which might include;

Multi-car: Insures all the cars at one address
Temporary: Short-term cover for up to 1 month
Learner: Cover for learner drivers
Business: Cover for domestic and business use of your car
Classic car: Cover for the owners of classic cars (if the car is older than 15 years)
Motor Trade Insurance: Cover for those working in the motor trade

When you’re looking to buy car insurance, we would recommend that you obtain quotes for each level of cover, because the cheapest quote does not always provide the best cover.
You need to strike a balance between how much you pay and how much protection you get from your insurance. By looking around at different insurers, you can get a better price for the cover that you need.

*Source: Confused.com price index