Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your 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 coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.
Quotes from over 110 top UK insurance providers
How much does car insurance cost?
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors 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.
Why compare with Insuro?
Search over 110 different insurance providers
Increase your chance of finding a great deal by comparing multiple companies using a single form.
search
Buy online or by phone
Purchase your insurance policy quickly and easily; monthly and annual payment options are available.
call
You could save time and money
Get your quotes by filling in one simple form, compare prices, and start saving.
savings
Over 1 million quotes
Join our ever-growing list of satisfied customers today.
groups
Cloudflare Protected
Our website uses Cloudflare's security features for your peace of mind.
cloud
Independent and unbiased service
We aren’t owned by or have any investment from any insurance company.
balance
What is pay-as-you-go car insurance?
Pay-as-you-go car insurance is a monthly subscription service topped up with charges per hour and mile. Usually, the subscription comes as a rolling contract that’s free to cancel. However, check the terms and conditions before applying for the policy.
The majority of cars qualify for these policies. There are a few conditions, such as:
A car can’t be over 15 years old
The vehicle can only have a maximum of seven seats.
A car needs to have a market value of £40,000 or less.
Pay-as-you-go car insurance is charged every month, and it will be all you pay if your car is parked in the drive or on the road. The subscription charge covers elemental fire and theft damage and is calculated using personal details, and this might include the size of the car, accommodation and any driving convictions.
You can use an app to keep track of your driving time and top up when necessary. This is where the charges per hour or mile come in.
Why opt for PAYG car insurance?
Pay-as-you-go car insurance could be advantageous for people who drive infrequently. You could get a cheaper quote, but you should still compare all your options. Young drivers between 17 – 24 could also benefit because insurers consider them the most accident-prone, and Pay-as-you-go subscriptions might help them avoid high premiums.
Note: SEOPA has provided this insurance comparison tool. Insuro.co.uk and novi.digital isn’t responsible for the contents of the comparison you receive. Not all insurance providers offer this type of policy or coverage.
What is the “National Highways Red X?” In the UK, “National Highways Red X” is a term used on smart motorways to indicate lane closure. Red Xs are displayed on overhead gantries and signal drivers that the lane is closed and should not be used. The red Xs are used to increase safety and manage […]
So, you’ve bought a second-hand car and are ready to compare car insurance to get the best possible deal. But do you know how many modifications your new car has? A recent study showed that only 1.7 per cent of drivers declare modifications on their vehicles. This could be intentional or simply because people aren’t […]
When trying to search for car insurance that covers all of your needs, there are so many different factors that you need to consider. As such, it can be challenging to work out exactly what you need from your insurance policy, let alone trying to find a company that will give you appropriate cover. Therefore, […]