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Welcome to our Compare Car Insurance page. Please click the 'Get Quotes' button above, or at the bottom of this guide to get a super-fast and cheap price comparison from many leading providers via the comparison service provided by SEOPA Ltd. You could save money and feel good too, as we will donate 25% of any profit we make to charity - at NO extra cost to you.
Car Insurance Comparison Guide
Comparing Car Insurance Quotes online couldn't be easier, you can find cheap quotes in minutes.

If you would like to understand a little more about car insurance then why not continue to read our guide below? It will give you a brief outline of the terminology used,  so you can better understand some of the keywords used within the quotation results. 

If you require specialist car insurance such as classic car insurance, disabled car insurance, or other non-standard policy types please take a look at the full list of products offered at the bottom of this page.

Car Insurance cover is compulsory in the UK before you can drive on public roads. The government has strict rules on what car insurance you need, what to do if you're in an accident, driving abroad, and penalties for uninsured vehicles and drivers. You can keep up to date on the legal rules and requirements by visting the appropriate government website.

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Compare Car Insurance Policy Types

The world of car insurance is rather complex.  There are, quite literally, hundreds of different policies to choose from. The renewal premium from your present insurer may not be the cheapest available which is why many people choose to go online to compare car insurance, so it pays to shop around before your policy renewal date.  This is where CareandCompare.com can be of great help, saving you hours of time contacting numerous individual car insurance companies for quotes.  Using the search form provided to us by SEOPA ltd you can receive and compare quotes from over 100 companies, and be certain to find the right policy for yourself, at a very competitive price. 
 

3rd Party Car Insurance

The legal minimum policy type is third party, which means you’ll be covered if you have an accident causing damage or injury to any other person, vehicle, animal or property. But it doesn’t cover any other costs, such as repair to your own vehicle. For example if you were involved in a bump that was your fault and you caused damage to one or more other vehicles, this type of policy would cover the repair costs of all the damage you caused, but excluding that to your own vehicle. This is ok if your own vehicle does not have a high value of its own and you require a cheaper premium. The Policy Provider often provides this type of cover at a cheaper rate, as the associated pay-out in the event of an accident is often cheaper, as your own vehicle is not covered.  It's also worth noting that if your car is stolen the provider will not pay out either. Choose this type of cover only if you are prepared to foot the bill for your own repair costs in the event of an accident.

3rd Party, Fire and Theft

The next step up is third party, fire and theft’. This type of policy includes third party cover as above -  where other vehicles that are damaged in an accident that was your fault are covered. However,  this type of policy also provides protection against loss and damage if your vehicle is burnt or stolen.  In summary, this level of cover will pay out if your car is stolen or is damaged by fire, either accidentally or through criminal intention, or through the result of an accident, but does not protect your car against minor damage or if it is vandalised.
 

Comprehensive Car Insurance 

Comprehensive’ level car insurance is the highest level policy type you can have and often is the most expensive level of cover, but comes with the most benefits. It covers others in the event of an accident as described above and will cover the costs of repairing any vehicle to which you cause damage. It also provides all the cover that comes with the Fire and Theft insurance policies. Where comprehensive cover comes into its own is that it also pays out the costs of repairing your own vehicle, normally up to the market value of the vehicle. Additional benefits are also sometimes offered, such as cover for theft of items from your car, personal accident protection, medical and legal expenses, rescue and recovery and courtesy cars, depending on the policy’s limitations and exclusions. This level of cover is often best if your car is of a high value or if you heavily rely on your vehicle and cannot afford to be without it. You will need to check with the individual insurer with regards to the exact 'extras' that are provided with comprehensive cover as not all policies are the same and some will come with more features and benefits than others. Compare all the quotes carefully as some may come with nice bonuses.
 

Other Car Insurance Terminology Explained

Please read on for a brief description of some of the other terms you may see referenced when you compare car insurance on our site or that may affect your premium.

Car Insurance ExplainedNo Claims Bonus

For each year that you have your policy and don't make a claim you will build up a no claims bonus. This is one of the most important factors in reducing the amount the policy will cost you and some insurers may reduce the policy by up to 75% for more than five years' no claims discount. This is often used by the insurer to discourage policy holders from making small minor claims that they could often cover themselves.

Named or Additional Driver

This term is used to describe a policy where more than one person is insured to drive the same vehicle.  Normally this type of policy is used to cover a family car or a shared car between two or more people. It is also very useful for young drivers to go onto an existing policy holder's car insurance as that can significantly reduce the premium compared to them having their own car insurance policy. It is important to remember that in most cases, the named or additional driver will not build up a no claims bonus of their own.

Car Insurance Groups

Every car is put into a suitable insurance group based on its statistical risk of causing/making a claim and also its associated cost of repair of replacement.  For example, a VW Golf GTI or BMW M3 will be in a higher group than a Ford Focus Zetec, Vauxhall Corsa or Fiesta. It is important to consider this when choosing a new car. You find out which group your car is in from websites such as What Car or from the car manufacturers' website or by speaking to one of the insurers you find through this website.

Cost of Car Insurance

Insurers have to weigh up the risk you present when setting the cost of your cover.  Many factors will influence the premium.  Here’s a summary of the main ones:

  • the type of car you drive: make, model, value, engine size, security features etc.;
  • the area in which you live and where your car is parked – eg garage / driveway or public road;
  • your age, occupation, driving experience and driving history;
  • if you have a ‘no claim bonus’ or not, and for how many years this applies;
  • the number of drivers insured on your car;
  • the level of ‘excess’ you are prepared to pay in the event of a claim.

Remember - even though you can save a lot of time and money when you compare car insurance quotes online, it is important that you provide accurate information to a car insurance company, a subsequent claim may be refused.  So gather together all the information and facts you’re likely to need before you get your quotes and always ensure you fill in any forms correctly, paying attention to any predetermined tick boxes. 

Jargon Buster

The car insurance industry has a language all of its own.  It uses many technical terms which may not be understood by the lay person, such as ‘additional premium’, ‘knock for knock’, ‘indemnity’, ‘statute law’ and ‘without prejudice’.  Your car insurance policy may be full of such terms, for reasons of precise meaning to the insurers. Use the British Insurance Brokers’ Association Jargon Buster to clarify what these strange-looking terms mean.Get Car Insurance

 

Compare Car Insurance Quotes    Page updated 10/04/2016