Car Insurance
PROTECT YOUR VEHICLE NOW
From mandatory third-party cover to fuller comprehensive policies packed with optional extras, we'll find what your car needs.
Protect Your No-Claims Bonus (NCB)
If you've gone a sustained period without any accidents, you may be able to protect your NCB depending on your policy.
Extra Windscreen & Glass Cover
When you opt for a comprehensive policy, you may have additional extras such as windscreen cover.
Optional Cover For Extra Protection
Tailor your car insurance with extra breakdown cover, excess protection and legal protection.
Clear. Simple. Sorted.
Clear Communication.
Don't worry about your insurance, that's our job. We will support you by decoding available cover to ensure you can make an informed choice on your policy.
Save Time & Money.
With us, you won't just save on your premium. Our sophisticated tech hunts down affordable quotes in mere minutes, so you can get covered ASAP.
Get Started at Staveley Head
Leading car insurance broker for over a decade.
Policies available from over 49+ reputable insurers.
With all our knowledge & experience, we'll always steer you on the right path. Find out how it works below and how to get started.
Pick your insurance type.
Find the insurance you need here. Choose from commercial and personal policy types provided by our trusted insurers.
Click here to get a quote.
After you've pressed the button, we'll use our tech to compare the most competitive quotes for the cover you need.
Get insured. Fast.
Leave it to us to do all the hard work to get you covered, so you can hit the road with peace of mind.
Levels of Car Insurance cover
Third-Party Only
Third-Party Only is the minimum level of insurance required by law that covers the other party only in the event of an accident.
Third-Party, Fire & Theft
Your vehicle will be covered for loss or damage caused by fire, and theft, plus accident cover for third parties.
Comprehensive
Comprehensive car insurance includes Third-Party, Fire & Theft, plus more depending on your policy.
Overview
Car Insurance
With so many different types of cover, it’s easy to see why car insurance can seem intimidating for some. As an insurance broker, nobody knows how to get great value car insurance prices like we do. We simplify the process for you by comparing quotes, so you don’t have to.
Our friendly team will steer you on the right road to your car insurance policy, thanks to our expertise and relationship with the UK’s leading insurers. Call us on 0800 0815 032 for your quote today and find your ideal cover that can begin immediately.
Why Do I Need Car Insurance?
Car insurance is a legal requirement and a necessity for all drivers. Failure to insure your vehicle and buy the correct coverage can result in a costly fine, six penalty points and even your vehicle being impounded.
Besides the legal obligation for car insurance, it will also benefit you as a driver. The type of vehicle you have, the cost of repairs, and the estimated risk level associated with driving in general can lead to a hefty bill in the event of an accident. What’s more, the right insurance policy will cover injuries to other motorists, passengers, and pedestrians, along with their property.
It may seem a lot to think about but we’re here to help you make the right choices. With our extensive experience in the insurance industry, we’ll guide you through the best cover to suit you and your vehicle.
What Is A No Claims Bonus?
A No Claims Bonus is a reduction in your premium awarded to you if you have not made any claims within a certain period. The discount on your premium will be significantly higher as you go longer without making a claim.
Insurance is all about factoring risk and measuring the potential for an accident, which means a No Claims Bonus will bode well for you in future. Some insurers may allow you to transfer your No Claims Bonus to another vehicle’s policy, such as commercial van insurance.
It illustrates to your insurer that you are a responsible, careful driver who takes enough precautions to reduce the likelihood of an accident. If you would like a copy of your No Claims Bonus, we can send one to you. Reach out to us by calling us on 0800 0815 032 to request a new copy.
What Is An Excess?
Car insurance excess is the amount of money that you are required to pay in the event of a claim for loss or damage to your vehicle before your insurance company will cover the cost.
It’s important to keep in mind how this will affect your budget. The general rule of thumb regarding your excess is that the higher the excess, the lower your overall car insurance premiums. However, this means you would have to pay the higher excess up front in the event of a claim.
What Is The Difference Between Compulsory And Voluntary Excess?
There are two types of excess: compulsory and voluntary.
Compulsory excess is fixed and cannot be altered. Mature, experienced drivers who have been on the road longer will generally have a cheaper compulsory excess than someone younger because they pose a lower risk.
Voluntary excess is a sum of money you agree to pay in addition to your compulsory excess, which will lower the cost of your insurance. It is possible to change voluntary excess, and increasing it may be a handy way to save money on your premium.
However, this isn’t always a sure fire way to cut your costs, as you will have to pay more in the event of a claim. It’s vital to keep in mind your budget, the likelihood of a claim, and long-term affordability because once you’ve chosen a voluntary excess figure, this price will be fixed.
The amount of excess you would need to pay can vary and will depend on the policy you have. You can find details on your excess in your car insurance policy schedule.
How Much Is Car Insurance?
Ready to get a quote for your car insurance? Find out how much you could save today and call us for a quote on 0800 0815 032. Our experts will guide you every step of the way throughout your journey to find the right policy.
What You Can Expect From Us
Why choose Staveley Head to insure your car?
You'll always get top tier service with us. Here are just some of the benefits and features you will get:
- 01
Experienced Car Insurance Broker
We’ve been a leading car insurance broker for over a decade.
- 02
Reputable Car Insurers
We work with some of the UK’s most reputable insurance companies.
- 03
24-hour, UK-based Claims
Our 24-hour, UK-based claims team are here when you need them.
- 04
Extras & Add-Ons
Optional breakdown insurance and excess protection are available.
- 05
Protect Your No-Claims Bonus
If you have maintained a no-claims bonus for 4+ years, you may be able to protect it.
- 06
Affordable Quotes
It’s quick and easy to get a quote for car insurance that's budget-friendly.
Your Policy Unpacked
What Coverage Do You Need?
Your coverage will vary depending on your policy needs. Here are just some of the many options available from our insurers:
What we can cover you for:
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Compensation for your vehicle's total loss or theft if unrecovered.
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Legal liability for third-party injury or death.
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Coverage for communication, entertainment, and navigation equipment installed in your vehicle.
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Roadside assistance in case of vehicle breakdown.
What’s not included:
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Unlicensed or disqualified individuals driving your vehicle.
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Events such as earthquakes, riots, civil unrest, radioactive contamination, war risks, terrorism, pollution, and contamination.
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Theft-related losses if the car is unlocked or keys are left inside or on the car.
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Legal actions outside the United Kingdom, unless related to approved international usage.
A standard third-party-only insurance policy will provide you with minimum legal cover in the UK and Ireland.
This can also extend to any country that is a member of the European Union (EU) along with European Economic Area (EEA) countries such as:
- Serbia
- Switzerland
- Andorra
- Iceland
- Bosnia and Herzegovina
- Liechtenstein
- Norway
If you want to have the same level of coverage while driving in European and EEA countries for more than a 90-day ‘short stay’ period, you will need to double-check the coverage outlined in your insurance schedule.
Feel free to call us on 0800 0815 032, and our insurance experts will guide you through what coverage you need for your trip and any extras.
Drivers are not required to have a green card unless they are driving outside the EU.
If your car has been damaged or you have been involved in an accident, you need to notify your insurer immediately.
Call us on 01244 730010 to make a claim and have your policy number ready so our team can find your record as quickly as possible.
We understand that the situation may be a very tense time for you, so if you can’t find your policy number, our experts will ask all the right questions to help you find the number on the call.
Ready to get a quote? Before you call us, make sure to have the following details ready for our team:
- The make, model, registration number, and main details about your vehicle.
- Your driving licence.
- The full names and details of any other drivers on the policy.
- Details of your driving history covering any claims and motoring convictions from the last five years.
Last but not least, call us on 0800 0815 032 to get the ball rolling and find out how much you can save today on your insurance.
Frequently Asked Questions
Here are some of the most common queries we get asked about car insurance.
Can’t find what you’re looking for? Reach out to us by calling 08000815032 to chat with our dedicated car insurance team.
More FAQs
Our Updates
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