Car Insurance

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Everyone wants to find car insurance at a good price. Sometimes the best insurance for you will be the cheapest, but sometimes you’ll need to find a quote that includes additional features. It could be that you need to drive for work, or you might require a multi-car quote that will also cover other drivers in your family.

Which car insurance providers do we compare?

We work with the best insurers in the business, and whether you choose to compare using our online comparison tool or by chatting on the phone with our helpful team of experts, we’ll help you every step of the way. You’re in safe hands.

We work with over 110 top car insurers including:

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Choosing your cover

Car insurance policies are created to protect you. For any road-worthy vehicle, you need to have insurance in place. It means you won’t need to pay out large sums of money from your own pocket if your vehicle is involved in an accident or incident.

It’s legal requirement to have car insurance. As a minimum, it will cover damage to third parties (other people’s vehicles) if there’s an accident that you’re responsible for. Exactly what you’re covered for depends on the type of insurance you purchase.

There are three main types of cover:

Comprehensive

As the name suggests, this is the most comprehensive policy, covering you for damage to your own car as well as damage to other cars, even if the accident was deemed to be your fault. It also covers you for injuries sustained by you or anyone else involved in an accident that you caused.

Some providers will include courtesy cars, and most covers will include windscreen damage. However, comprehensive policies may not offer absolutely everything, such as breakdown cover. It’s important to read through each policy carefully to know what’s included.

Whilst many will expect comprehensive policies to be the most expensive, this isn’t always true. In addition to offering the most benefits, for many people this type of cover can offer the best value for money.

  • Most complete cover
  • Sometimes the most expensive, but with the most protection
  • Covers injury to you or others, and damage to your car or other cars
  • Whilst often referred to as “fully comp” it doesn’t always cover everything

Third party, fire and theft

Getting a third-party, fire and theft policy provides you with basic cover that’s required by law, plus some extra protection if your car is stolen or catches fire. Some policies will also cover you for damage that results from attempted theft, such as if a thief breaks your car window.

It also protects you from paying out compensation or to fix damages to other people’s vehicles that were caused by a road accident that was your fault.

However, this level of cover doesn’t help you if you cause damage to your own car, or if you sustain any injuries from an accident that was your fault.

  • Medium amount of cover
  • Usually a middle price point
  • Covers injury to others, damage to other cars, or fire and theft of your car
  • Doesn’t cover your injuries or damage to your own car if the accident was your fault

Third party only

This is the most basic level of cover, and the legal minimum. It comes into play if a road accident that was your fault causes injury to another person or damage to their car.

With third party insurance, you won’t need to pay large amounts of money to compensate for the injuries or damages that you caused to the other person involved or their car, because your insurance provider will cover this.

You won’t be covered for damage to your own car, or for any injuries you sustain from an accident that you caused.

  • Minimum cover required legally
  • Usually the cheapest option
  • Covers injury to others and damage to other cars
  • Doesn’t cover your injuries or damage to your own car if the accident was your fault

Although car insurance cover falls into one of these three categories, each policy will be slightly different. Exactly what your provider will cover depends on the policy you choose.

The cheapest option isn’t always the best strategy long-term, because you and your car may not be covered if you cause an accident. Compare policies to get a good overview of what’s on offer, then choose the car insurance policy with the right amount of cover for you.

How much car insurance usually costs

Deals you’re offered by car insurance providers will depend on a whole range of factors. These are usually related to how likely you are to make a claim. Personal factors like your age, gender and where you live can also impact the quotes you receive.

Younger and newer drivers often have to pay more, whereas drivers who are more experienced or with no claims often get the best deals. Other factors will be considered too, like how costly repairing or replacing your car would be, its value and susceptibility to theft, and your driving habits, motoring offenses and mileage.

Whilst your own personal circumstances mean the quotes on offer for you will be bespoke, there are some industry averages that can help you know what to expect. According to the ABI (Association of British Insurers), the average price paid for motor insurance is £467.

Coming up with similar figures, MoneySuperMarket stated that the average comprehensive car insurance price was £459, 5% less than the same period the previous year. However, the average cost of car insurance reported by Confused.com was higher, coming in at £750, with the average price of a comprehensive policy reported as £532, and almost double that figure for third party only insurance.

Comparing car insurers using our online tool will help you find the most competitive rates. Shopping around allows you to browse through bespoke quotes from well-known brands and specialist insurance providers to find the best deal.

It takes 5 minutes to compare with Utility Saving Expert, and you could save up to £200!

Compare quotes in minutes

Our comparison tool examines insurance providers using the information you input to find the best options for you. We need some details from you to ensure the quotes we show you are accurate and offer you the best possible deals.

Here’s an overview of the type of information we’ll ask for:

    About your car, such as:
  • Car registration
  • Value
  • Setup and modifications
  • Where it is kept during the day and at night
    About you, such as:
  • Where you live
  • Age, family, occupation and medical conditions
  • When you got your driving license and whether it is a full license
    Driving history, such as:
  • Your mileage
  • How you use your car
  • Whether that includes using it for work
  • No claims discounts or claim history
  • Any past motoring offenses

Finally, we’ll ask your preferred level of cover to find out a bit more about what you require and the voluntary excess you’d be willing to pay.

Break down: Driving and car insurance statistics

Cars continue to dominate most people’s daily travel, with 61 per cent of trips made by car, either as a driver or passenger. The RAC reported that over 77% of households in Great Britain have a car, and 81% of the total population has access to a car. Their data also reveals that there are 38.7 million vehicles licensed for use on the roads in Great Britain.

Whilst driving might be the preferred mode of transport for so many of us, not everyone is benefitting from the best car insurance deals. Research shows that a huge number of drivers allow their policies auto-renew each year without shopping around for better, cheaper cover.

GoCompare found that 4.6 million drivers allow their car insurance to auto-renew, and Money Expert stated that drivers who auto-renew are over 50% more likely to be paying more than £800 for fully comprehensive cover.

Instead, use our comparison tool to quickly find the best car insurance deals. You can save up to £200 when you compare car insurance with Utility Saving Expert.

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How to get cheaper car insurance

Wondering how to get cheaper car insurance? You aren’t alone! Many of us want to keep premiums down, and the good news is that there are a number of ways to improve your chances of getting the best value for money from top-quality providers.

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Annual payments

Paying for your car insurance annually instead of monthly or quarterly is almost always the least expensive option. This creates a win-win situation for both policyholder and provider, with lower processing costs and a significant reduction to the overall price of your cover.

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Avoiding auto-renewal

Whilst automatically renewing your policy each year might sound convenient, you could be over-spending by hundreds of pounds each year. Using a comparison tool makes saying no to auto-renewal hassle-free.

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Car purchases

Consider what your insurance might cost when you make a car purchase. It’s not unusual for powerful cars to have higher premiums because they are typically more expensive to repair. On the other hand, older cars or vehicles with smaller engines may be cheaper to insure.

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Compare

Shop around, you won’t regret it! When you compare quotes, you can see what’s on offer from the biggest brands and specialist insurers to find the deal that’s best for you. You could save £200 on car insurance by comparing with Utility Saving Expert!

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Mileage

Avoiding driving when possible can often reduce your insurance premiums. This is simply because spending less time on the road reduces your risk of having an accident. Always make sure your estimated mileage is accurate, otherwise you could invalidate your policy.

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Named driver

Sometimes adding a driver such as a spouse or parent can lower the price of your policy, especially if that person is an experienced driver. However, it’s important that you list the main driver correctly, basing it on who drives the car most.

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No claims

You can build up a no claims bonus when you don’t make a claim for a number of years. It tells insurers that you are less at risk of getting in an accident, so many providers will respond by giving you a significant discount.

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Security

Basic improvements to the security of your car will often encourage providers to offer lower premiums. For example, installing an alarm and parking off-road or in a garage reduces the risk of your car being stolen and reduces the chance of you claiming on insurance.

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Telematics

Installing a black box or telematics device can make insurance much more affordable, particularly for young or inexperienced drivers. These devices show your insurance provider you are a safe driver by recording information like speed and mileage.

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Voluntary excess

Excess is the contribution you are willing to pay towards a claim you make if your car is involved in an accident or incident. If you increase your voluntary excess, insurers will often reward you with cheaper policy offers. Don’t forget to consider your compulsory excess too!

Other factors affecting your quotes

Whilst there are many ways you can improve your chances of getting cheaper quotes on your car insurance, there are some factors that are outside of your control.

Although you cannot change them, having a good idea of what insurers account for will ensure you don’t get any unexpected surprises when you receive your quotes. It could also lead you to choose a provider who specialises in your demographic.

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Age

Drivers under 25 are more likely to get into accidents than older drivers, so car insurance may cost more for younger drivers. People over 60 may also see an increase in the cost of cover. Specialist providers might offer the most reasonable rates for these age groups.

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Experience

Insurers like experienced drivers because they can judge how safe they are as a driver, meaning they often get offered cheaper policies. Unfortunately, there’s no quick fix for driving experience. It’s all about time, patience and safe driving, so you need to wait it out.

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Gender

Since 2012, it has been illegal to price products or services differently based on gender. Despite that, men still generally pay more on car insurance than women. However, as long as you have a clean driving history, you will not be charged more due to your gender.

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Medical conditions

If you have a medical condition or disability affecting your ability to drive, it must be reported to the DVLA. Most providers will ask for this information and it might increase the price of your quote. It’s important to declare medical conditions, otherwise your policy could be invalidated.

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What our experts say

“Some people stick with their current car insurance provider because they don’t realise what savings they could make. Some don’t want the hassle of shopping around. At Utility Saving Expert, we solve both of those problems with our quick and easy online comparison tool and a dedicated team of experts.”

Chris Richards, Founder and Managing Director, Utility Saving Expert

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Cover options

You are unique and that should be reflected when it comes to buying car insurance. With a range of options and levels of cover to choose from, you can find a policy that is tailored to suit your needs. There are options for driving for work purposes, finding the best insurance for your age group, multi-car households and many more.

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Business

You will need this type of cover if your job requires you to drive for example, as private hire taxi driver will you will need taxi insurance. Often more expensive than standard cover, but essential if you use your car for work-related purposes, other than commuting to work.

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Classic Car

Some providers will offer specialised car policies for classic and vintage cars, which often come with reduced prices because these cars are typically maintained to an extremely high standard and usually do less mileage.

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European Cover

In order to drive your car outside of the UK, you need to have the right cover in place from your insurance provider. All UK insurers provide the minimum cover for driving in the EU. When driving outside of the EU, you need a Green Card as proof of your cover.

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Learner drivers

Most often short-term and flexible, this type of cover allows learner drivers to be insured on a car belonging to a friend or family member. It usually works in addition to any cover already in place and should not be confused with driving instructor insurance.

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Multi-car

Multi-car policies usually offer significant discounts, but sometimes using different providers for each car will work out cheaper. Multi-car households should compare various options including fleet insurance to find the best deal for them.

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New drivers

Insurance for new and inexperienced drivers is notoriously expensive, but some insurance providers will offer a special policy for first-time drivers. New drivers can also install a black box, avoid modifications and choose a smaller engine to reduce the cost of cover.

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No deposit

Usually, monthly payment plans are more expensive than annual plans, and whilst some insurance providers will ask for a deposit of around 20% upfront, others offer a monthly payment plan with no deposit.

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Over 50s

Car insurance is not always cheaper for older drivers, but some policies will reflect the level of experience drivers have later in life, so choosing a specific cover for over 50s could result in reduced prices.

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Pass Plus

An optional training course designed to increase the confidence and safety of newly qualified drivers, the Pass Plus initiative could help inexperienced drivers to find cheaper car insurance deals.

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Short-term

When you take out car insurance, you don’t necessarily need to be tied in for a long period of time. It’s possible to get a short-term insurance for specific trips, with instant, flexible cover for your car or for someone else's.

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Telematics

Installing a black box into your car that helps your insurance provider monitor the way you drive often results in cheaper insurance. Telematics systems may record speed patterns, the types of roads you are using, when you usually drive and the distance you travel.

Additional cover

Some insurers will include a variety of additional benefits to the cover they offer you, but not all will. Read through each of your options carefully to see which ones you really need. Upgrade and additional cover may include:

Breakdown

For help if your vehicle breaks down, with roadside repairs or towing to a garage.

Courtesy car

Temporary replacement vehicle whilst yours is damaged because of an accident.

Legal expenses

Legal assistance helping you make or defend against a claim.

Lost keys

Helping you cover the cost of replacing lost or stolen keys.

No claims protection

Protection your no claims so you can claim without impacting your discount.

Personal injury

Compensation if you suffer injuries caused by a car accident that was your fault.

Windscreens

Repairs to, and possibly replacements for, car windscreens with chips or cracks.

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Frequently Asked Car Insurance Questions (FAQs)

You must have insurance to drive a vehicle. In the UK, the minimum legal requirement is third party only cover. However, if you drive for work, you need business cover, and if you plan to drive outside the EU, you may need European cover. It all depends on how you plan to use your vehicle.

On average, the price paid for motor insurance is £467 according to the ABI (Association of British Insurers). However, higher figures are quoted by other organisations. The price of your insurance will depend on personal information, the vehicle you drive, your driving history and can be impacted by many other factors. You can find better deals if use a comparison tool, and you could save up to £200 when you compare with us!

Most car insurance policies last for one year, but it’s possible to take out a short-term policy and usually these have a great deal of flexibility. This means that you can use a car for a day. It usually isn’t cost-effective long term. For annual policies, you’re highly likely to save money if you shop around for another deal once your cover ends instead of automatically renewing.

You should never drive without insurance. It’s illegal and involves serious risks. You could be fined, face prosecution or be given an IN10 (driving without insurance) licence endorsement with 6-8 penalty points on your licence for four years. With this, many future insurers may refuse you. What’s more, you’ll be liable to pay for any damages you cause in an accident.

If you supply the wrong information or fail to update details about yourself and your car, even by accident, you may invalidate your policy. Anything from failing to update your provider of health conditions, car modifications or changing your address could risk invalidation. The consequences could include fines or prosecution, so take extra care.

If you want to drive someone else’s car, it’s usually best to be added as a named driver or take out short-term cover. Although some comprehensive policies cover driving other cars, there may be stipulations related to age or occupation, so it’s wise to check the small print.

UK insurance policies supply third party cover for driving in the EU, which you can extend to include comprehensive cover for an extra cost. If you’re driving outside of the EU, you may need to take out cover for that.

If you own a car you never use and are able to keep it in a garage or off-road, you might want to register your vehicle as off the road with a SORN, which stands for Statutory Off-Road Notification. Without this, you are legally obliged to take out insurance.

Your insurance provider can give you details about your no claims bonus. If you choose to compare car insurance and change provider, ask your previous provider to supply proof of your no claims bonus that you can pass on to your next insurer.

You stand to lose your no claims bonus if you do not have private car insurance for a few years. The exact details will depend on your provider. You also stand to lose your no claims bonus when you make a claim, unless you have a specialist policy protecting it.

Your no claims bonus is an excellent way to reduce your premiums, and you can take out a specialist policy to protect it. You’ll need to balance whether protecting your no claims discount outweighs the possibility of an additional expense to do so.

Some UK car insurance providers will accept no claims bonuses from within the EU, but most won’t accept them from outside the EU. It’s a good idea to contact an insurer to find out from them directly.

If you get your car MOT or service at the same garage each year, they’ll usually record your annual mileage in the documentation they provide to you. To work it out yourself, you can track the miles you travel on an average day by making a note of the mileage displayed in your dashboard at the start and end of the day. You can also monitor a typical week, then multiply it to work out an estimate of your annual mileage. It’s better not to under-estimate, or you may risk invalidating your insurance.

*The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.

Utility Saving Expert’s insurance quotation technology is provided by SEOPA Ltd who are authorised and regulated by the Financial Conduct Authority No: 313860. Registered office, Blackstaff Studios Floor 2, 8-10 Amelia Street, Belfast, Co. Antrim, BT2 7GS Registered in Northern Ireland, No: NI046322.