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What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. This could be damage from an accident, theft, vandalisation and fire damage. It means you won't have to dig into your own pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of cover you must legally have is third-party car insurance. This would cover the damage to another person's car, for example in a collision accident, but provides limited cover for your own vehicle.

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How much does car insurance cost?

Car insurance is made up of an annual premium. This can be paid in a lump sum or monthly as a direct debit. There are many factors that come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums with Insuro. Get one of our quotesin a matter of minutes.

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Compare Car Insurance Quotes in the UK

When looking for insurance on your new car, you want as much cover as possible for the cheapest price. Therefore, it is vital to compare UK insurance providers to ensure you are getting the best deal possible. Comparing car insurance with Insuro couldn't be easier. You'll be saving money and driving away in no time.

Our comprehensive guide to car insurance in 2022:

What are the different types of car insurance?

There are different types of car insurance that provide different levels of cover. The premium for each will vary depending on the additional cover they offer. It is important to consider your own personal cover needs when selecting a type of car insurance.

Third-Party Car Insurance

Third-party insurance is the lowest level of cover a driver in the UK can have. It only covers damage done to other drivers and their cars in the event of an accident. No costs for the repair or replacement of your car will be covered.

Third-Party, Fire and Theft Car Insurance

Third-party, fire and theft insurance include all the coverage of third-party insurance as well as cars that are stolen or are damaged by fire. It is worth noting that this level of insurance does not cover the costs of damage to your own car in an accident.

Fully Comprehensive Car Insurance

Fully comprehensive car insurance provides the fullest and highest level of cover. It includes the cover from all other policy types but also protects the driver physically. For example, fully comprehensive insurance could also pay out to cover medical treatment and legal costs. Despite offering the highest level of cover, this type of insurance can often be very affordable. Compare fully comprehensive insurance with Insuro to see how much you can save.

What are the Different Levels of Cover?

If you are not wanting to be insured on a car long-term, there are a variety of options. These options are tailored to individual circumstances. It is important to ensure you are covered by the correct insurance when temporarily driving a vehicle.

Short-Term Cover

A short-term cover is a temporary form of car insurance that will cover the driver for a brief period of the agreed time. Typically, this can be between 24 hours and 1 month. This is a great option for those who need to temporarily borrow a car or share one.

Use Abroad Cover

When using a car outside of the UK, this requires a separate level of cover from standard insurance. Ensure you have the appropriate type of cover for the country you will be driving in. This option suits those taking the car with them abroad on a family holiday.

Protection of Excess Cover

Protection of excess cover will maintain the level of excess you would have to pay, even after making a claim on your insurance. Protection of excess will ensure you aren't paying higher amounts of excess if you get into an accident.

Black Box Cover

Telematics, or 'Black Box' cover, allows your premium in part to be determined by the way you drive. A black box will be installed in your vehicle to measure the way you drive and determine how likely you are to make an insurance claim. Black box cover is perfect for new or younger drivers looking to bring their insurance premium down.

Multiple Cars Cover

Multiple cars cover insures a number of cars and vehicles at a single address. Insuring a number of cars under a muti-insurance policy typically works out much cheaper than insuring them all individually. This is a great option for households looking to save money by insuring their cars under one policy.

How do I Insure Different Types of Cars?

Insurance will vary depending on the type of car you have and any moderations it has had. Certain types of cars will be more expensive to insure than others. It is important to consider this prior to buying your car and whether it will be affordable in the long run.

Insurance for Standard Cars

In terms of insurance, providers consider a car that is less than 15 years old a "standard car." Standard cars tend to be the easiest and cheapest vehicles to insure. Compare standard car insurance through Insuro for an instant quote.

Insurance for Imported Cars

Cars can be purchased all over the world and imported to your home here in the UK. However, they tend to be more expensive to insure. This is due to the lack of UK specifications on the car which make it harder for insurers to assess. It is important to get an imported car insurance quote prior to purchase to assess affordability.

Insurance for Sports Cars

Sports cars are an extremely attractive option to buyers… unfortunately, they are also attractive to thieves. Sports cars are far more likely to be stolen than standard cars. They are also driven faster than standard cars, which increases risk. These factors combined lead to a higher and more expensive insurance premium.

Insurance for Electric Cars

Electric cars have boomed in popularity over recent years. Their environmentally conscious approach to travel has a huge appeal to the wider market. It is worth bearing in mind; however, electric vehicles can be costly to insure. This is because the technology involved in the creation can be expensive to repair if damaged.

Insurance for Cars that have been Modified

Modern cars can be modified completely to personal taste and preference. Performance and aesthetic modifications to a car, however, can surge an increase in your insurance. This is because certain modifications are deemed to make your vehicle more at risk of a claim.

Does anything affect the cost of car insurance?

There are myriad factors that affect the cost of a car insurance premium. It is important to consider these factors before buying a vehicle. Ensure that your car is not only affordable at the time but also that you will be able to cover the cost of insurance.

Making a Claim

Once you have made a claim on your car insurance, your premium will increase. This is because you are now deemed a greater risk, and history has shown you are likelier to make a claim. On the other hand, not making claims and maintaining a no-claims discount will bring your annual premium down.

Age

The age of a driver plays a huge part in how expensive their car insurance will be. Older drivers tend to pay far less than younger and new drivers. This is because they are considered more experienced and less likely to take risks on the road. Therefore, they are less of a liability. For brand new drivers, your premium is likely to be exceedingly high. This will decrease the older you get and the fewer claims you make.

Profession

The profession of a driver is also considered when assessing an insurance policy. Some jobs are considered more of a risk than others and make the person more likely to make an insurance claim. The "safer" your job is considered, the lower your premium will be.

The Amount you Drive

Those who spend more time on the road are likely to pay higher insurance premiums. This is because the odds of you being involved in an accident are higher than those with lower mileage. Things like commuting to work on public transport instead of driving will help to bring your mileage down and, therefore, your premium.

Location

Where you live and keep your car are also factors that affect this cost of insurance. Areas that have seen lower insurance claims mean your car too will feel that benefit. Alternatively, if you live in an area that experiences high claims, you'll likely be paying a little more for insurance. Premiums will also be affected by whether you have the security of a drive or garage to park your car in overnight, as opposed to street parking. This is considered more of a risk of theft and will increase your insurance.

Criminal Convictions

If you have had past criminal convictions, your insurance is likely to be higher. Commonly this is points on your license for things such as speeding. This deems you a higher risk to the car insurance company, so you will be expected to pay more.

Additional Drivers

When sharing a car, adding someone as an additional driver can decrease the overall premium you pay. It is worth noting, that this will only positively affect your policy if the other named driver is deemed "experienced" and maintains a no-claims discount.

How do I Decrease the Cost of my Car Insurance?

The price of running a car can be costly enough, so it's always important to decrease the cost of car insurance where possible. Luckily, there are a number of ways to do this. The best way to find the cheapest car insurance deal possible is using comparison sites like Insuro.

Pay a Lump Sum Annually

It is more cost-effective to pay your annual premium in a lump sum at the start of a policy than pay monthly by direct debit. These monthly payments incur a fee of interest, which makes your premium more expensive. If it is affordable, pay your premium in a lump sum to decrease the overall cost.

No-Claims Discount

Building up a no-claims discount will help to consistently bring down the cost of your car insurance each year. A no-claims discount is a benefit of consistently not making any insurance claims. It suggests you are a dependable driver who is less risk and therefore can be charged less. The bigger your no-claims discount (the number of years without a claim) the cheaper your insurance will be.

Do your Research Before Buying a Car

It is vital to research the overall running costs of a new car before committing to buy it. This includes the fuel costs and of course the insurance costs. Consider your own individual circumstances and how they may affect your premium. For example, a younger person may be able to afford monthly payments on a new car, but can they also afford the higher insurance costs as well?

Install a Black Box

Installing telematics or a "Black Box" in your car is one of the easiest ways to bring down the costs of your premium. This is particularly true in the case of new or young drivers who can’t take advantage of a no-claims discount. This device monitors your driving, and if you drive safely throughout the year your premium will decrease. However, there is also the possibility it could increase if you have been driving recklessly. Black Boxes come at no extra cost and can be installed yourself. Some insurance companies may send out engineers to fit it in the vehicle for you, typically free of charge.

Raise your Voluntary Excess

By increasing the amount you would pay towards a claim, you in turn can lower your premium. This is because the insurance companies know they will have to pay out less in the event of a claim. However, you must ensure you can then pay this excess.

Is there any Additional Cover I can Purchase?

Alongside your standard insurance policy, you can also buy additional covers. These protect you from more specific instances you would otherwise have to pay to rectify. Consider your individual circumstances and if these additional covers would apply to you.

Courtesy Car Cover

Courtesy car cover means you will be provided with a car by your insurance company when in need. For example, if your car is in the workshop being repaired due to damage. This cover ensures you are never left without a vehicle and unable to make journeys.

Breakdown Cover

Breakdown cover provides assistance when your car breaks down or won't start. It means a mechanic will be sent to assess your car and allows you to continue with your journey. This would otherwise have to be sourced on your own, at potentially more cost.

No-Claims Protection

No-claims protection ensures that you can maintain your no-claims discount even when you have to make a claim. This is useful in decreasing the cost of your premium yearly. Without this cover, you could lose potentially years of a built-up no-claims discount if you have to make a claim.

Personal Belongings Cover

Personal belongings cover will compensate you for any belongings that are stolen from your car. To fund these replacements yourself could prove very costly, especially if you had a lot of electronic equipment in the car.

Car Keys Cover

Car keys cover pays out for the cost of lost car keys. It will pay for replacement keys and key reprogramming and stolen keys. Once again, this is costly to fund from your own pocket.

Windscreen Cover

Windscreen cover protects you from any damage done to your car windscreen. For example, chips and cracks. This cover allows you to claim for repairs and replacement of the windscreen when accidents happen.

Personal Accident Cover

Personal accident cover could provide compensation in terms of physical injury. For example, if you are hurt or killed in a car accident, an insurance company would give compensation to you or your next-of-kin. This is a good precaution to take to avoid costly medical bills and that you plan ahead to ensure your family will always be cared for.

Wrong-Fuel Cover

Wrong-fuel cover can provide compensation when you use the wrong type of fuel for your vehicle at a fuel station. For example, filling a petrol tank car with diesel fuel by mistake. This cover takes care of the costs of draining your petrol tank, cleaning it and the cost of any repairs needed.

Legal Protection for Motorists

Legal protection cover means that if you are injured in a car accident that leads to legal action, the costs will be covered. For example, if you are involved and injured in an accident that was not your fault. Legal protection cover would assist with funding your legal expenses. These costs could be astronomical if they are self-funded.

Our Top Tips for Comparing Car Insurance

Using comparison sites to save money on your car insurance can sometimes be an overwhelming and confusing experience. Here at Insuro, we have streamlined the process to help you get a quote as easy as possible. Find below some top tips when comparing car insurance policies for 2022 through the Insuro website:
Review a wide range of policies to see which fits best with your individual needs.

Prepare a budget beforehand to know how much you can afford to spend on car insurance.

Read our blog posts to find out even more ways to save money on your insurance.

Use our easy on-site quote tools to get comparison quotes without all the technical jargon.

Why Compare Car Insurance with Insuro?

Insuro helps to make comparing car insurance easier. We take the hassle out of insurance and help you get the cheapest premiums around. Through our easy-to-use online system, you can compare hundreds of car insurance quotes before buying that dream car.

Our quotes allow you to compare hundreds of suppliers with over 60 categories of car insurance. No matter what your personal circumstance or need, Insuro has you covered - literally! So, what are you waiting for? Get comparing and find an affordable insurance quote within minutes on Insuro.

Frequently Asked Questions:

What's the best car insurance right now?

In order to get the best car insurance, you first need to compare car insurance. What is best for one person isn't necessarily always best for another. Your version of the best car insurance might work for your vehicle but not be applicable for another vehicle or driver. As such, you need to ensure that you find the best car insurance for You by searching based on your specific criteria

Where in the UK has the cheapest car insurance?

Car insurance comparison websites often have the cheapest car insurance available online. Comparing car insurance quotes on many car comparison websites will likely find you the best deal. Certain car insurance comparison websites have better arrangements with car insurance than others. This may mean that in some instances quotes come out more expensive on one car insurance comparison website, whereas for a different type of car and a different driver it may come out cheaper on another.

Who is the best car insurance provider UK?

There isn't just a single best car insurance provider in the UK. What is best for one person will be different to another. Define what is best for you and then look to go compare car insurance for car insurance online.

What is the cheapest car insurance to go through?

Each car insurance comparison website is different. There are many factors to consider when insuring drivers, so each insurance provider looks at different aspects. Additionally, comparison websites may have certain deals with a particular set of insurance providers, who in turn give them preferential rates of car insurance cover. There is no single website that will provide the cheapest car insurance for everyone. Each website and provider will have a particular niche where they provide the cheapest car insurance.

How can I get a cheap car insurance quote?

Compare quotes for car insurance from multiple providers in order to find the best rates for you. Sometimes it's best to add other drivers to your policy. Sometimes changing the mileage may also impact policy. There are a variety of ways in which you can affect your quote when you compare car insurance.

Can I insure a car I don’t own?

To compare car insurance for a car that you do not own, you can do so online, but you will need to ensure that you input information that is factually correct. Cannot take out a policy on a car that you do not own, but you may be able to take out a policy ahead of time knowing that you will own the car in future.

What's the best car insurance for you?

If you compare cheap car insurance online this is likely to be the best way to find the right car insurance for you. Only you can know what the best car insurance is for you. Instead, you must take the time to research the best car insurance for you.

How to get cheap car insurance quotes?

Starting your journey with a comparison engine could be the best way how to get cheap car insurance quotes. There is no car insurance comparison website that will guarantee you the cheapest car insurance quote as this is not possible.

Can you get an insurance quote without a car?

You cannot get car insurance without a car. You do not necessarily need to own the car but you need to be on the policy as a named driver. Insurance without owning the car, but to actually pay for the car insurance you will need to either own the car or be present with the car insurance owner during the purchasing process.

How to insure a car?

In order to insure a car, you must first take out a policy with a car insurance provider. You can do so by comparing car insurance policies online with a car insurance comparison website. The insurance comparison websites will not provide you with the full insurance, provide you with the information necessary in order to be able to make a decision as to which car insurance is provided to use. Car insurance comparison websites will enable you to compare car insurance from multiple different providers and then redirect you to a car insurance provider in order to complete the journey.