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With so many different types of cover, it’s easy to see why car insurance can seem intimidating for some. Nobody knows how to get great value car insurance prices like we do, which is why we simplify the process.  

Call us on 0800 0815 032 for your quote today and find your ideal cover that can begin immediately. 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. 


  • Compare car insurance quotes and get yours in less than five minutes. 
  • If you have maintained a no-claims bonus for 4+ years, there’s an option for you to protect it. 
  • Optional breakdown insurance and excess protection are available. 

Your FAQs about car insurance 

If you have any burning questions about car insurance, we’ve got the answers here: 

Why do I need car insurance? 

Car insurance is a legal requirement and a necessity for all drivers. Failure to insure your vehicle and even to buy the wrong cover can result in a costly fine, six penalty points and even your vehicle being impounded.  

On some occasions, drivers on the road without insurance have even gone to court and received an unlimited fine or disqualification from driving.  

Besides the legal obligation for car insurance, it will also benefit you as a driver. It’s essential to keep in mind what type of vehicle you have, the cost of repairs, and the estimated risk level associated with driving. In the event of an accident, insurance will cover injuries to other motorists, passengers, and pedestrians, along with their property.  

When picking an insurance policy, choosing the right cover will protect you financially if your vehicle is damaged. With our extensive experience in the insurance industry, we’ll guide you through the best cover to suit you and your vehicle.  

What type of car insurance cover do I need? 

The three main types of car insurance cover are:  

Third-Party Only car insurance covers any damages or injuries you may cause to another person, vehicle, or property while driving. This does not include any financial protection for damages to your own car, as it only covers the third party. 

Third-Party Fire and Theft will pay out if you have caused an accident, damaged a vehicle or property, or injured other drivers, passengers or pedestrians. It also protects you from any loss or damage caused by theft or fire. 

Comprehensive Insurance cover will offer all the basics of third-party, fire, theft, and more. Additional features of comprehensive cover include damage to your vehicle and cover in the event of an accident and third-party liability.  

Policies will vary depending on the insurer you choose. Some insurers will include the following in their comprehensive cover policies 

  • Windscreen damage, such as usual chips and cracks, as well as repair after an  
  • Driving other cars and test-driving new vehicles that are insured. 
  • Using a courtesy car. 

The cover options above are subject to availability and may increase the price of your policy if they are additional extras.  

If you have a specific cover in mind that’s a necessary requirement for you, call us on 0800 0815 032 to chat with our team about it. Our insurance experts will do their best to find you the right cover for the most competitive price available.  

What extra cover should I consider when insuring my car? 

Other customers who took out car insurance through us also found these optional extras handy: 

Breakdown Cover 

Your policy will not include breakdown cover as standard, but we can offer it as an optional extra. Whether it’s roadside assistance or protection during holidays in Europe, we offer a range of comprehensive Breakdown Insurance policies so you can choose the one that’s right for you. 

Excess Protection 

Excess protection will cover the cost of your excess payment should you need to make a claim. This could increase your excess and potentially reduce the initial cost of your car insurance premium. 

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.  

The general rule of thumb regarding your excess is that the higher the excess, the lower your overall car insurance premiums.  

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 surefire 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. 

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 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. 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, call us on 0800 0815 032. 

Does my policy cover me to drive abroad? 

A standard third-party-only insurance policy will provide you with minimum legal cover as standard in the UK and Ireland, as well as 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 cover while driving in European and EEA countries for more than a 90-day ‘short stay’ period, you will need to double-check your policy and see if you need extra cover. Feel free to call us on 0800 0815 032, and our insurance experts will guide you through what coverage you need for your trip. 

Will I need an International Motor Insurance card when driving abroad? 

Drivers are not required to carry their international motor insurance card, sometimes known as a green card, with them on the road unless they are driving outside of the EU. However, you will still need to make sure to pack your Certificate of Motor Insurance, vehicle log book (V5C), and driving licence.  

How can I get cheaper car insurance? 

Various factors can affect the cost of your car insurance. While we always aim to give you the lowest prices possible, there are some key elements we should all factor in when shopping around for car insurance. If you’re hoping to cut the cost of car insurance, here are our tips on how to reduce it: 

Consider installing a black box. 

A black box is a device which tracks driving habits and will collect data on how many miles the car has been driven, the time of day it is used, and how quickly the vehicle accelerates and brakes. Thanks to this handy gadget, you may be able to pay less insurance if you’re found to be less of a risk on the road. 

Install a dashcam. 

In the event of an accident, dashcams can capture exactly what happened and prove who was at fault in some cases. Installing a dashcam will not only gather vital evidence in the event of a claim but also prove to your insurer that you are behaving responsibly enough to consider taking further steps to reduce risk.  

Buy a car with lower mileage.  

One factor that can affect insurance costs is the number of miles a car has driven. Cars with lower mileage are generally cheaper to insure because they are less likely to be involved in accidents or to require repairs, which may result in a lower premium. 

Keep your car in the garage overnight.  

Cars parked in garages overnight are generally less likely to be damaged or stolen than if parked on the street. As a result, insurance companies may view cars kept in garages as less risky and offer lower premiums to policyholders who can provide evidence that they store their vehicle in a garage. 

How to make a claim on your car insurance.  

If your car has been damaged or you have been involved in an accident, you need to notify your insurer immediately.  

Call us on 0333 3709 999 to make a claim and have your policy number ready for our team to 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. 

What do I need to get a car insurance quote? 

Ready to get a quote? Before you call us, make sure to have the following details to hand ready for our team: 

  • The make, model, registration number, and main details about your vehicle. 
  • Your driving license. 
  • The full names and details of any other drivers on the policy. 
  • Details of claims from the last five years. 

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.  

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