Car Insurance Uk Comparison Sites

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Find out how to get cheap car insurance quotes from price comparison sites and how to deal with car insurance companies to save money

Car Insurance Uk Comparison Sites

In this guide, we’ll explain how to find the best rates on comparison sites – and which insurers don’t have them – as well as how to change your cover, from adding designated drivers to changing your excess.

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We have dedicated advice for drivers with huge no-claims discounts; Young and new drivers and over 50 years old.

After you get quotes from other providers, challenge your current insurer to do better with our haggling script.

Read on to find out more ways to save and how to find more affordable car insurance deals.

From January 2022, car and home insurers will be banned from charging their new and existing customers different rates, but you’ll still get the best rates if you shop around regularly.

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Different insurers may look at your claim history, vehicles and neighborhoods in different ways – or temporarily lower the price of their product to attract new customers. In any case, seeing what your insurer’s competitors are offering will give you the benefit of knowing how competitive your current insurer is.

Comparing car insurance quotes takes just a few minutes and allows you to see if your renewal offer really is the best available. Even if you get a big no-claims discount, you can usually move it to another insurer.

Price comparison sites are a great place to start because they allow you to get multiple car insurance quotes quickly.

Once you land on the insurer’s website, double-check the policy details to ensure that the insurer has received all the correct information about you and is providing an accurate quote.

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It’s also helpful to have an idea of ​​what you’re currently paying for your car insurance. Your insurer’s renewal letter should state what you have paid this year and state the renewal. 

With insurance or comparison sites, loyalty is not much of an advantage, although some comparison sites have reward schemes to encourage repeat car insurance customers.

You’ll find plenty of big name insurers on all the major websites, their insurance panels vary and in some cases their prices too – which means you should check as much as possible for car insurance deals.

While this may seem like a chore, it equates to running through more than 50 quotes to access offers from multiple insurance companies. Compared to the days required to contact each insurer individually, this is time well spent.    

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This may be the case if you’re applying for a contract that pays in monthly installments, but it’s also the same if you go directly to an insurer without using a comparison site.

You will find that many insurers will carry out ‘soft’ searches of your credit report to confirm your identity. You’ll see these on your credit report, but soft searches won’t be visible to other companies and won’t affect your rating. 

The car insurance price shown to you on the comparison site is a true, direct quote from the insurer. However, keep the following points in mind:

When you click through to an insurer’s site, you’ll be asked to agree to a set of ‘assumptions’. This is information that you believe is accurate about yourself that you have not provided through the comparison site.

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Potential costs of admission costs and fees – see our insurance fee comparison.

Comparison websites are a great help in your search for cheap car insurance, and can help you cover a lot of ground quickly when shopping. But some insurers are not available on all comparison sites.

Direct line insurance is only available directly from it. Direct Line was a strong performer in our provider analysis, offering a total loss rental car as standard on its Comprehensive and Comprehensive Plus policies. Churchill and Privilege are part of the Direct Line group, but both sell policies on comparison sites. 

NFU Mutual is not sold online. For a quote, you need to call a brokerage there. NFU Mutual fares well when we analyze car insurance, which offers a lifetime guarantee on repairs and says it has a “no variable” approach to claims.  

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Another type of comparison site is a cashback site. As the name suggests, these sites – like Quidco and TopCashback – pay you cash rewards when you click through them to buy goods or financial products. 

It’s worth checking when you’re shopping for deals, but even if cashback is included, they won’t necessarily give you the best value deals.

If you can get the same cover elsewhere for £400, a £600 policy for £75 cashback is far from a bargain.

By using the service provided by Confused.com you will get more money and find a new car insurance policy. Get a quote now

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How much you pay for car insurance depends on a number of factors, including your age, the type of vehicle you own and where you live, your marital status and past driving history. 

Several organizations track car insurance rates and regularly publish trends. Different calculation methods and publication dates may mean that average figures do not always match.

Figures in this range represent what your ‘average’ person would pay (or be quoted), and the ‘average’ car insurance customer in real life does not exist.

Insurance is priced individually. This means that depending on your individual circumstances, you may find yourself paying more or less than the above figures.

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Even if you can’t change the insurer’s opinion about you, read on for some ways you can lower the cost of car insurance.

Drivers who are often offered less competitive rates (such as younger drivers) may be tempted to choose a lower level of cover to lower the premium. However, sometimes, paradoxically, extended cover costs less than TP or TPF&T, so it is worth checking the price of each level of cover.

This is because insurers charge the policy based not only on the level of coverage, but also on how much the drivers who buy it pay out for claims.

If less comprehensive policies are bought in bulk by drivers who tend to make more claims, insurers will work this into their rates, making them more expensive.

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Even comprehensive coverage does not cover every eventuality. Insurers offer various add-ons that you may or may not need:

But a courtesy car may not be available or equal to your own vehicle. You are unlikely to get one if your car is stolen or written off.

This covers the cost of taking legal action to recover expenses not covered under your primary insurance – such as suing for compensation after an accident.

Car insurance pays for costs incurred in an accident, but your car breaks down or won’t start.

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Although you can add collision cover to your car insurance policy, it can be cheaper to buy it from a third-party provider – you can find our reviews here.

If you are killed or seriously injured in an accident, comprehensive car insurance policies will provide some protection.

However, a dedicated accident cover can cover more cases, including daily expenses while in hospital, up to a higher claim limit.

It’s not worth making a claim on your main insurance policy for a lost key, especially if you don’t have a high excess or claim discount.

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If you go several years without making a car insurance claim, you can get a claim discount (NCD) of more than 60%.

When seeking quotes from new insurers, you may be asked how many years you have NCD. You may be asked to support this with evidence.

Remember that different insurers have different NCD policies and may set different maximums for the number of claim-free years marked on your NCD.

It’s counterintuitive, but sometimes not making a claim on your insurance and paying for repairs out of pocket can save you money in the long run.

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Because the claim can be an additional burden, reducing your NCD and increasing your premium.

Our guide to making a claim on your car insurance explains the calculations you need to make when deciding whether to make a claim.

Whether you make a claim or not – you should tell your insurer about an incident that could affect your premium.

If you’re under 25, learning to drive or newly qualified to drive, getting car insurance can be an expensive business.

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While learning, you can choose to purchase dedicated learner driver car insurance or become a named driver on someone else’s policy.

Once qualified, you can find cheap rates for black box policies. These can reward you for driving safer than the average driver; Other policies suit drivers with relatively low mileage.

It can be reduced by choosing the cheapest car to insure, adding an older named driver to your policy and adding a higher voluntary excess.