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New Driver Car Insurance UK Price Comparison
New Driver Car Insurance UK Price Comparison

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Car Insurance Comparison, you are obligated by law to get covered by car or motor insurance. Motor insurance is required even if the car is not being used on the road. The only escape route from getting car insurance is if it has been officially declared as ‘off the road’ and this can be achieved through the statutory off road notice (SORN) mechanism.

Since it is an important requirement, it will be a good idea to get cheap insurance and we are fully dedicated to helping you compare cheap car insurance quotes. We are also going to walk you through the process and in no time you can compare insurance online.

There are three different types of car insurance cover and they offer various levels of protection. The degree of insurance cover available depends on the cost; the higher the cost, the better the insurance cover for your car. This should, however, not make you fret. If you stick with our car insurance guide, you will get to compare cheap car insurance quotes which offer you comprehensive protection.

Factors effecting the cost of car insurance

Vehicle Type – If you have an expensive car or a high-performance vehicle, your car insurance cover will belong to a high insurance group and may have to pay more for your premium. Paying more, however does not translate to expensive. We can help you compare cheap car insurance quotes here

Age – Younger drivers might find that their car insurance cover is higher than normal. This is because statistics show that they are more likely to make a claim. Are you a youth looking for cheap insurance cover online? You have come to the right place.

Occupation – Your jobs could also increase your car insurance premiums. Chefs and journalists are known to incur more cost.

Driving history – Prior convictions can affect the price of your car insurance cover. If you are interested in saving cost, you should compare cheap car insurance quotes here.

Location – If your area is one where the vehicle crime rate is high, your insurance cover might follow suit. In order to access your choices, you should compare cheap insurance quotes online and get the best policy for your house.

New Driver Car Insurance UK Price Comparison

New Driver Car Insurance FAQs

What is car insurance cover?

Car insurance cover in the UK typically includes the following types:

  1. Third-Party Only (TPO): This is the minimum level of cover required by law in the UK. It covers you if you have an accident causing damage or injury to any other person, vehicle, animal, or property. It doesn’t cover the cost of repairing or replacing your own car.
  2. Third Party, Fire and Theft (TPFT): This type of cover includes everything in TPO plus coverage for your vehicle if it’s stolen or damaged by fire.
  3. Comprehensive (also known as Fully Comprehensive): This is the highest level of cover available. It includes everything in TPFT and also covers the cost of repairing or replacing your own vehicle, regardless of who is at fault. It often also includes windscreen cover and may cover personal belongings, medical expenses, and even the cost of getting home after an accident.


car insurance comparison

Additionally, depending on the provider, you can typically add on extra types of cover, such as:

  • Breakdown cover: This covers the cost of recovering your vehicle if it breaks down.
  • Legal cover: This can cover any legal costs after an accident.
  • Courtesy car cover: This provides a replacement vehicle while yours is being repaired.
  • Personal accident cover: This covers certain medical expenses if you’re injured in an accident.
  • Protected no-claims bonus: This allows you to make a certain number of claims before your no-claims discount is affected.

It’s worth noting that the exact specifics of what’s covered will depend on the policy and insurance provider. Always check the terms and conditions carefully before purchasing a policy to ensure it meets your needs.

Types of Car Insurance Cover

In the UK, there are several types of car insurance coverage options available to suit different needs and preferences. The types of car insurance in the UK include:

  1. Third-Party Only (TPO) Insurance: This is the minimum legal requirement for driving a car in the UK. TPO insurance covers liability for injuries or damages caused to third parties involved in an accident. It does not provide coverage for damages to your own vehicle.
  2. Third-Party, Fire, and Theft (TPFT) Insurance: TPFT insurance includes the same coverage as TPO insurance but also provides protection against fire damage and theft of your vehicle.
  3. Comprehensive Insurance: Comprehensive insurance offers the highest level of coverage and protection. It includes coverage for third-party liability and damages to your own vehicle and may cover additional risks such as fire, theft, vandalism, and accidental damage.
  4. Telematics (Black Box) Insurance: Telematics insurance involves installing a device (black box) in your car to monitor your driving behaviour. Based on the collected data, your insurance premium can be adjusted to reflect your driving habits. It can be a cost-effective option for safe drivers, particularly for young or inexperienced drivers.
  5. Classic Car Insurance: Classic car insurance is designed for older or vintage vehicles that are considered to have historical or collectable value. It typically provides specialised coverage tailored to the unique needs of classic cars.
  6. Short-Term or Temporary Insurance: Short-term or temporary car insurance provides coverage for a limited duration, usually ranging from a single day to a few weeks or months. It is useful for situations where you need insurance for a short period, such as borrowing a car or covering a rental vehicle.

It’s important to carefully review the terms, conditions, and coverage limits of your chosen insurance policy to ensure it meets your specific needs. Consider consulting with insurance providers or brokers specialising in car insurance to help you navigate the options and find the most suitable coverage for your circumstances.

I have a question about insurance that I have bought or a quote via mymoneycomparison.com. Who do I contact?

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.

What is included in a car insurance policy?

In the UK, cars are typically categorized into different usage categories based on their primary purpose. These categories include:

  1. Social, Domestic, and Pleasure (SDP): This category covers personal use of the vehicle for non-work-related purposes, such as commuting, shopping, and leisure activities.
  2. Commuting: This category includes using the car for daily commuting to and from a regular place of work or education.
  3. Business Use: Business use refers to using the car for work-related purposes, such as visiting clients, attending meetings, or travelling to different work locations.
  4. Commercial Use: Commercial use applies to vehicles primarily used for commercial or trade purposes, such as deliveries, tradesperson services, or transporting goods.
  5. Hire and Reward: This category applies to vehicles used for hiring or renting purposes, including taxi services, chauffeur-driven vehicles, or private hire services.
  6. Courier and Delivery: This category specifically relates to vehicles used for courier or delivery services, transporting goods or parcels for payment.

It’s important to accurately declare the appropriate usage category when obtaining car insurance, as it helps insurers assess the level of risk associated with the vehicle’s primary purpose. Misrepresenting or failing to disclose the correct usage category may result in insurance policy invalidation or claims being denied.

List of car insurance providers in the UK

In the UK, there are numerous car insurance providers offering a range of coverage options. Here is a list of some well-known car insurance providers in the UK:

  1. Aviva
  2. Admiral
  3. Direct Line
  4. Churchill
  5. AXA
  6. LV=
  7. Tesco Bank
  8. Saga
  9. Hastings Direct
  10. Ageas
  11. RAC
  12. Co-op Insurance
  13. Swinton Insurance
  14. Esure
  15. NFU Mutual
  16. Privilege
  17. Sheila’s Wheels
  18. Sainsbury’s Bank
  19. Octagon Insurance
  20. John Lewis Finance

Please note that this list is not exhaustive, and there are many other car insurance providers in the UK. It is advisable to research and compare quotes from multiple insurers to find the best coverage and rates that suit your specific needs. Additionally, consider consulting with insurance brokers who can help you navigate the options and find suitable policies based on your requirements.

What does car insurance groups mean?

Car insurance groups are a categorisation system used in the UK to assess the relative insurance risk of different car models. The Association of British Insurers (ABI) assigns a car insurance group rating from 1 to 50 to each vehicle model. The lower the insurance group number, the lower the perceived risk; generally, the lower the insurance premium. The factors that determine a car’s insurance group rating include:

  1. Vehicle Value: The cost of repairs or replacement of the vehicle influences the insurance group rating. Generally, higher-value vehicles tend to have higher insurance group ratings.
  2. Performance and Power: Cars with more powerful engines and higher top speeds are often assigned higher insurance group ratings due to the increased risk of accidents or higher repair costs.
  3. Security Features: Vehicles with advanced security features like alarms, immobilizers, and tracking systems may receive lower insurance group ratings.
  4. Repair Costs: The cost of parts and repairs for a specific vehicle model can impact its insurance group rating. Cars with expensive or hard-to-source parts may have higher ratings.
  5. Safety Ratings: Vehicles with high safety ratings and advanced safety features may be assigned lower insurance group ratings.
  6. Crash Test Results: Crash test performance and safety ratings from organizations such as Euro NCAP can influence a car’s insurance group rating.

It’s important to note that the specific insurance group ratings for different car models can vary between insurance providers. When obtaining car insurance quotes, insurers consider the car’s insurance group, among other factors, to determine the premium.

List of UK car brands

Here is a comprehensive list of car brands and their associated insurance group ratings (as of September 2021, based on the UK market):

Alfa Romeo
Aston Martin
DS Automobiles
Land Rover

Please note that the specific insurance group ratings for each car model within these brands can vary widely. It’s recommended to consult with insurance providers or use their online tools to obtain accurate and up-to-date insurance group information for a specific car model you are interested in.

UK car insurance groups

Below is a list of car insurance groups in the UK, along with example models for each group. Please note that these groupings are subject to change and may vary depending on the specific trim level, engine size, and other factors:

Group 1:

  • Chevrolet Spark
  • Citroën C1
  • Fiat Panda
  • Ford Ka+
  • Skoda Citigo
  • Toyota Aygo

Group 2:

  • Dacia Sandero
  • Ford Fiesta
  • Hyundai i10
  • Kia Rio
  • Seat Ibiza
  • Vauxhall Corsa

Group 3:

  • Fiat 500
  • Ford Focus
  • Renault Clio
  • Skoda Fabia
  • Suzuki Swift
  • Volkswagen Polo

Group 4:

  • Citroën C3
  • Hyundai i20
  • Mini Cooper
  • Nissan Micra
  • Peugeot 208
  • Toyota Yaris

Group 5:

  • Ford EcoSport
  • Kia Ceed
  • Renault Captur
  • Seat Arona
  • Skoda Octavia
  • Volkswagen Golf

Group 6:

  • Audi A1
  • BMW 1 Series
  • Mercedes-Benz A-Class
  • Mini Countryman
  • Peugeot 2008
  • Volvo V40

Group 7:

  • Ford Puma
  • Honda Jazz
  • Hyundai Tucson
  • Kia Sportage
  • Skoda Superb
  • Volkswagen Tiguan

Group 8:

  • BMW 3 Series
  • Mazda CX-5
  • Mercedes-Benz C-Class
  • Mini Clubman
  • Nissan Qashqai
  • Volvo XC40

Group 9:

  • Audi A3
  • Honda HR-V
  • Hyundai Kona
  • Kia Niro
  • Skoda Karoq
  • Volkswagen T-Roc

Group 10:

  • Ford Kuga
  • Mazda MX-5
  • Peugeot 3008
  • Seat Leon
  • Toyota C-HR
  • Volvo XC60

Group 11:

  • Audi Q3
  • BMW X1
  • Mercedes-Benz GLA-Class
  • Skoda Kodiaq
  • Volkswagen Golf GTI
  • Volvo V60

Group 12:

  • Alfa Romeo Giulietta
  • Ford Mustang
  • Jaguar XE
  • Mini Countryman (John Cooper Works)
  • Nissan Juke
  • Volkswagen Touran

Group 13:

  • Audi Q5
  • BMW 5 Series
  • Mercedes-Benz E-Class
  • Range Rover Evoque
  • Skoda Kamiq
  • Volvo V90

Group 14:

  • BMW X3
  • Land Rover Discovery Sport
  • Mazda CX-30
  • Mercedes-Benz GLC-Class
  • Peugeot 5008
  • Porsche Macan

Group 15:

  • Audi Q7
  • BMW X5
  • Jaguar F-Pace
  • Land Rover Range Rover Velar
  • Mercedes-Benz GLE-Class
  • Porsche Cayenne

Group 16:

  • Audi A6
  • BMW 7 Series
  • Jaguar XF
  • Land Rover Range Rover
  • Mercedes-Benz S-Class
  • Porsche Panamera

This is a general overview, and the insurance groups may vary for specific models, trims, and engine variants. It’s always recommended to check with insurance providers or use their online tools to obtain accurate and up-to-date insurance group information for a particular car model you are interested in.

What are the differences between cover types?

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.

What is included in a car insurance policy in the UK?

In the UK, a car insurance policy typically includes the following components and coverage options:

  1. Third-party only (TPO) coverage: This is the minimum legal requirement for car insurance in the UK. It covers your liability for injury to others and damage to their property caused by your vehicle. However, it does not provide coverage for damage to your own car.
  2. Third-party, fire, and theft (TPFT) coverage: This level of coverage includes all the benefits of TPO insurance and adds protection for your vehicle in case of fire or theft.
  3. Comprehensive coverage: Comprehensive insurance provides the highest level of coverage and includes all the benefits of TPFT insurance. Additionally, it covers accidental damage to your own vehicle, even if you are at fault in an accident.
  4. No claims bonus: Many car insurance policies in the UK offer a no claims bonus (NCB) or no claims discount (NCD) for each year that you do not make a claim. This discount can significantly reduce your premium if you have a history of safe driving.
  5. Personal injury coverage: This coverage, often referred to as personal injury protection (PIP) or medical payments, covers medical expenses and related costs if you or your passengers are injured in a car accident.
  6. Uninsured/underinsured driver coverage: This coverage protects you if you are involved in an accident with an uninsured or underinsured driver who is unable to cover the full extent of the damages.
  7. Legal expenses coverage: Some policies include coverage for legal expenses in case you need to pursue legal action or defend against a legal claim relating to a car accident.

It’s important to review the specific terms and conditions of your car insurance policy to understand the coverage limits, exclusions, deductibles, and any optional coverage that may be available. Insurance providers may offer additional options such as breakdown assistance, courtesy car provision, or cover for audio equipment or personal belongings. It’s recommended to compare quotes from different insurers and select a policy that suits your needs and budget.

How can I tell if my car is an import?
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.
How can I keep my car insurance cost down?

You can implement several strategies to help keep your car insurance costs down. Here are some tips:

  1. Shop around and compare quotes: Obtain quotes from multiple insurance providers to find the most competitive rates. Consider using online comparison websites or consult with insurance brokers who can help you find the best deals.
  2. Increase your deductibles: Opting for a higher deductible (the amount you pay out of pocket before insurance coverage kicks in) can lower your premium. Ensure you can comfortably afford the deductible if you need to make a claim.
  3. Build a no-claims discount: Maintain a safe driving record and avoid making small or unnecessary claims. Over time, you can accumulate a no-claims discount, significantly reducing your premium.
  4. Consider usage-based or telematics insurance: Some insurers offer usage-based or telematics insurance, where your premium is based on driving behaviour and habits. If you are a safe and low-mileage driver, this can result in lower premiums.
  5. Install security features: Adding security devices to your vehicle, such as alarms, immobilisers, or tracking systems, can reduce the risk of theft or damage and may qualify you for discounts.
  6. Limit optional coverage: Review your policy and assess whether you need all the optional coverage options. For example, if you have an older car, consider forgoing comprehensive coverage if the cost outweighs the vehicle’s value.
  7. Pay annually instead of monthly: Paying your premium annually can often be cheaper than monthly instalments, as some insurers charge additional fees for monthly payments.
  8. Maintain a good credit score: In some jurisdictions, insurers consider your credit score when determining premiums. Maintaining a good credit score can positively impact your insurance rates.
  9. Seek out discounts: Inquire about discounts, such as multi-car discounts, bundling home and auto insurance, or discounts for certain professional affiliations or memberships.

Remember always to disclose accurate and honest information when obtaining insurance quotes. Failing to do so can lead to policy cancellations or claims denial.

Do you search all other financial and insurance products?

Mymoneycomparison.com 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.

What do I need to get started?
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.
Car insurance additional information

Policy Exclusions
Almost all car insurance policies have key exclusions and they will be explained in your policy documents. Ensure that you thoroughly read your insurance policy documents to know what you’re not covered for before you choose your policy.

No Claims Bonus
This is a reward for people who do not make a claim on their insurance policy. This is not to be mistaken with a ‘no blame’ bonus (if it exists). This means that whether an accident is caused by you or not, you lose your no claim bonus when you make a claim.

Insurance Excess
An excess is the amount you’re liable to pay towards a claim. It could be compulsory or voluntary.

Compulsory excess is fixed by your insurance company. It is calculated based on the details you’ve provided your insurer with at the point of choosing an insurance policy. It is normal to incur higher excesses when you are a young driver or with a high-value car. Cheap insurance quotes are, however, available for you to compare and choose from.

Voluntary excess is the amount you choose to pay towards the cost of a claim. It can help you reduce the price of your insurance. It is also paid on top of any compulsory excess you have.

How do we get insurance products for you?
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.

You could save up to £504*
*51% of consumers could save £504.25 on their Car Insurance. The savings were calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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