Levels of Insurance Cover

Comparing Car Insurance with The Insurers is easy


Tell us a bit about yourself and the car you want to insure


We’ll provide a list of quotes from some of the UK’s top insurance companies


You decide which policy you want and buy it online!

Car insurance FAQ

Do I need car insurance?

If you have a car and you want to drive it on the UK’s public roads then yes, it’s a legal requirement to have at least third-party insurance cover in place.

How can I get cheaper car insurance?
  • Compare quotes from different providers quickly using a comparison service.

  • Don’t buy more car than you need. Factor in the cost of insurance to the overall affordability of your car purchase. Get insurance quotes before you buy a car.

  • Build your no-claims bonus. Achieving consecutive years of being claim-free is one of the most effective ways to reduce insurance costs.

  • Increase your voluntary excess. Agreeing to contribute more money should you have to make a claim could help reduce your insurance premium.

  • Limit your mileage. If you have a good idea how much you are going to be using your car each year, consider a mileage limit, but be sure not to stray over it.

  • Improve your car’s security. A properly fitted security device can help lower the risk of your car being stolen, which may help reduce insurance quotes.

  • Pay annually if you can. Monthly premiums usually come with added interest, so you end up paying more over the course of the year.

  • Consider a black box. Telematics is the electronic measuring of the way you drive your car, which can then be assessed by an insurer and contributes to the assessment of your risk profile. The safer a driver they think you are, the more likely you are to get a cheaper renewal quote.

How do insurance companies decide how much I should pay?

It’s all about risk. The insurer will look at several factors which go into their assessment of how likely you are to make an insurance claim. The higher the risk you pose, then usually the higher the premium you will be quoted. Some of these factors include:

  • How old you are. There’s strong evidence that young people are more likely to be involved in accidents.

  • Where you live. Areas with higher crime rates or higher claim rates generally attract higher premiums.

  • Your driving history. People with limited driving experience or motoring convictions will see higher premiums than those with a long, clean driving record.

  • What you’re driving. Cars are categorised by insurance group. The lower the group, generally the cheaper to insure.

  • Your occupation. What you do for a living can impact insurance costs. Certain jobs come with higher risk of a claim being made.

  • Other drivers. Everyone who is a named driver on your insurance will contribute to the assessment of risk. Adding someone experienced with a good driving record could have a positive impact on your insurance quote.

What add-ons are available with my car insurance?

The quotes we provide are for the basic policy price only, but there are many different policy add-ons that are available when you complete your insurance purchase with your chosen broker. Some of the most common are:

  • Breakdown cover. Cars sometimes just break down, so protect yourself from being stranded at the side of the road with a good breakdown policy.

  • Legal cover. In the event of being involved in a dispute, legal cover can help meet the costs of legal representation, which could be very expensive.

  • Key cover. Most cars come with only 2 sets of keys. Ensure you’re protected should your keys be stolen or lost.

  • Misfuelling cover. Unleaded in a diesel, or diesel in an unleaded. Either way it’s bad news and is quite easily done, particularly if you’re changing to a car with a different fuel type. This type of cover will help sort that problem out.

  • Personal accident insurance. In the event of the worst happening and you or a passenger are very seriously injured or even killed, this add-on can help provide compensation to dependents.

  • Windscreen protection. Cracks and chips can happen at any time and this insurance helps meet the cost of repair or replacement.

What is an Excess?

An excess is an agreed amount will pay to your insurance company in the event that you make an insurance claim. There are two types of excess, compulsory and voluntary.

  • The compulsory excess is determined by your insurer and must be paid to them if you make a claim.

  • A voluntary excess is in addition to your compulsory excess and is a further amount you will be willing to pay to your insurer in the event of a claim. You do not have to have a voluntary excess on your policy, but if you do it can be a useful way of lowering your premium.

Always make sure that you can pay all the excesses which apply to your insurance policy.