Motoring Guides

Car Insurance

Car insurance is a legal requirement, even if the car is not being used on the road – unless it’s been officially declared as ‘off the road’ through the statutory off road notice (SORN) mechanism.

There are three types of insurance cover, offering different levels of cover – and different costs.  Below is a summary of the different types of car insurance, however, if you want a more in-depth explanation then read our comprehensive guides on Car Insurance in the UK, Insurance Groups and our Insurance Jargon buster.

Cheap Car Insurance Quotes

Third Party Car Insurance is the most basic type of cover, and the minimum legal requirement for car insurance. It covers any third party (including your passengers) along with the other vehicle and/or property, but it does not cover damage to your own vehicle. So, if the accident was your fault, you have to pay for your own repairs. If it’s not your fault, you need to claim against the other driver’s insurance policy.

Third-party cover is usually taken by owners of older vehicles whose value is less than the cost of any likely repairs. Newly qualified drivers go for third party insurance too, because they believe it will be the cheapest option. In fact, because insurers price for risk, and claims statistics show that new drivers are more likely to be involved in an accident than those with more experience, the cost of third-party cover has increased significantly in recent years. It can often be more expensive than more comprehensive policies.

Third party, fire and theft car Insurance

Stepping up from cheap third party car insurance, this type of policy adds cover for your vehicle if it’s stolen, damaged or destroyed by fire, but it still won’t cover your own costs if the accident was your fault.

Fully Comprehensive car Insurance

Three-quarters of UK drivers opt for fully comprehensive motor insurance. As the name implies, it covers pretty much everything, including you, your vehicle, your passengers and property, as well as that of the other party/parties. It will provide cover if your car is stolen, damaged or set alight, and insure you to drive other vehicles.

The level of cover varies between insurers, though. Some policies might not include legal protection, breakdown and even windscreen cover, or a courtesy car. Adding these ‘perks’ onto the policy could easily add £50 to the premium quote. Scour the small print to ensure you don’t get caught out.

If you would like to find the best insurance policy for you and your vehicle simply add your vehicle registration on this page for cheap third party car insurance, third party, fire and theft or fully comprehensive insurance.

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*51% of consumers could save £200. Seopa split the providers on their comparison systems into different categories. They then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, they selected the cheapest of either the high volume sales providers or other providers (“the cheapest selected quote”). They then compared the cheapest quote on their system against the cheapest selected quote. They then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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Frequently Asked Questions

Please contact the car insurance provider direct, as they will be able to help you with your question. Visit their website to find the right telephone number or email address.

  • Social, Domestic and Pleasure covers you for normal day-to-day driving, like shopping, family trips, holidays (but check whether it includes overseas holidays)
  • Commuting covers you for driving to and from a permanent place of work, or to and from a place that you park your car on the way to work.
  • Business Use allows you to use the car for your job, such as driving to meetings, between different work places, to conferences or training courses.
  • Commercial Travelling gives you cover if your job involves daily travel to clients and prospects to make sales, look after clients, etc – most usually relevant to sales people.
  • Third Party Only covers a claim by third parties (not a claim by the insured).
  • Third Party Fire and Theft covers fire damage and theft of your car and claims by third parties.
  • Comprehensive insurance covers accidental damage to your car, fire damage and theft, and claims by third parties.

Check the specification. A UK specification means that the car has been made specifically to UK specifications. A non-UK specification can be difficult to insure because parts for it may not be available in the UK. if your car is an imported car, then you will need to see our import car insurance page to get the right quote.

It’s important that you get the right deal for you, which may not necessarily be the cheapest on the list. To help you decide which is the right quote for you use our compare button. This allows you to compare lots of key policy features for up to 4 of the insurance providers on your list. In addition, there are a number of things you can think about to keep the cost of car insurance down:

  • Downsizing your car to a lower-grouped one, or one with lower engine power.
  • Fitting an alarm, tracking device or immobiliser.
  • Parking your car in a secure place overnight – preferably a locked garage.
  • Only adding additional drivers who regularly use the car. You can always add on occasional drivers at a later date.
  • Increasing your voluntary excess (the part of the claim that you pay voluntarily). This will be added to any compulsory excess that applies to your policy. also provides a service to search and compare Home Insurance, Van Insurance, Motorbike Insurance, Travel Insurance and Life Insurance and many specialist insurances. Our partner Seopa can also introduce you to providers for Pet, Health, Business and Breakdown Insurance. In addition, for Money products we provide a comparison service for Mortgages as well as Telecoms and Gas and Electricity.

You need to gather together some basic information before you are ready to get a quote. We require details of each driver you want to insure. This will include some personal information, including details of any claims or convictions. We will also require the car registration number or make and model, and details of any modifications to the car. Please rest assured that all the information you provide is totally secure.

We have teamed up with Seopa who will ask you all about the information about you, your car and your drivers, and then we automatically search our car insurance providers to find the right deals. We then present all the quotes back to you, so you can compare car insurance quotes like-for-like and choose the policy that is right for you.