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car insurance icon Ultimate Guide to Car Insurance

If you drive a car on a public road, the law dictates that you must have car insurance. However, the type of policy you need and the amount you pay will vary greatly depending on your personal circumstances. Utility Saving Expert make it easy to navigate through all the various cover options, helping you get the very cheapest car insurance and importantly, most suitable insurance cover from a panel of over 90 insurers.


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How to Compare Car Insurance

STEP 1

Fill in a short form to tell us about you and your vehicle

STEP 2

Select the level of cover you require

STEP 3

Compare your quotes to find the very cheapest car insurance and buy online

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Levels of Cover

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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.

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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.

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Comprehensive

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.


Variations

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)
Fleet: Cover for a fleet of vehicles

We Compare The Leading Insurers

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Helpful Car Insurance Hints and Tips

What’s My Insurance Group?

Knowing which insurance group your car falls into will give you a pretty big indication on how much you should expect to pay for your car insurance. Essentially the lower your insurance group, the cheaper it will be to insure your vehicle. There are now 50 different insurance groups which categorised by the Group Rating Panel.


How Do I SORN My Vehicle?

If you are not using your car then you do not need to tax or insure it, so long as you declare it as SORN. SORN stands for Statutory Off-Road Notification. In the past you could just park your car on private land or put it in your garage, this isn’t the case anymore due to new Continuous Insurance Enforcement regulations making it necessary to complete a SORN notification to avoid being fined.

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New Driver Car Insurance

Passing your driving test can bring you a great deal of freedom however, for young and inexperienced drivers it can also bring eye-wateringly high insurance premiums. There are ways of reducing the cost of your first insurance policy such as having a black box fitted to your car, by your insurer, which measure how you are driving real-time, rewarding you with lower premiums if you are careful driver.


No Claims Discount

One of the most effective ways of reducing the cost of your insurance is to accrue a No Claims Bonus or NCB. For every year you are claim-free you earn a year’s No Claims Bonus. Some insurers allow you to accrue your NCB over 10 months rather than a year. Different insurers will offer you various levels of discount depending on how many years no claims you have.

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car insurance icon How to Get the Cheapest Car Insurance

The best way to ensure you get very cheap car insurance that suits your individual needs is to compare the widest range of policies possible. There are many variables that will affect how much you pay for cover, from the value of your car, to your age and even how many years no claims bonus you have accrued. It is for these reasons it’s important to compare as many insurers as possible to guarantee yourself a good deal.

Aside from just making sure you compare as many providers as possible, there are other options available to make sure you are getting a very cheap insurance deal for your car. One such way is to agree to your insurance company installing a ‘black box’ into your car which measure how you are driving, rewarding you with lower premiums if you are driving safely.

Finally, you can consider the following to get cheap car insurance:

  • Agree to paying a higher voluntary excess (this is the amount you pay in the event you need to make a claim.
  • Limit who drives your car to just yourself or just you and a named driver.
  • Keeping the distance, you travel each year in your car low. (travelling less than 8000 miles a year may reduce premiums)
  • Improving the security on your vehicle by adding or upgrading the alarm, immobiliser or fitting a tracker.

Learn More About Car Insurance

Read our short guides below to learn more about owning, insuring and running your own car. Whether you are looking to find out more about MOTs or simply looking to see if it’s possible to purchase insurance without a deposit, our expert guides have been designed to get you up to speed.