Car insurance

How do I compare car insurance?

Compare the same level of cover, excess and add-ons across several insurers, using accurate details about you, your car and how you use it. The cheapest quote isn't always the best value — check the total excess you'd pay on a claim and what's included as standard.

  • Third-party cover is the legal minimum in the UK
  • Compare like-for-like cover and excess
  • Start comparing a few weeks before renewal
  • Wrong details can invalidate a claim

Last reviewed October 2026

The three levels of cover

Third party only covers damage or injury you cause to other people and their property. Third party, fire and theft adds cover if your own car is stolen or damaged by fire. Comprehensive also covers damage to your own car in an accident, even if it was your fault.

Comprehensive isn't always the most expensive option, so it's worth quoting for all three rather than assuming.

What affects the price

Insurers price on risk, so the details you give matter. The main factors include:

  • Your age, driving experience and claims history
  • The car's make, model, value and insurance group
  • Where you live and where the car is kept overnight
  • Annual mileage and whether you use the car for work
  • Named drivers on the policy
  • The voluntary excess you choose

Excess and add-ons

The excess is what you pay towards a claim. Most policies have a compulsory excess set by the insurer, and you can add a voluntary excess on top to reduce the premium. The total of both is what you'd pay, so only choose a level you could afford.

Common add-ons include breakdown cover, a courtesy car, legal expenses and protected no-claims discount. Check what's already included before paying for extras.

Renewing your policy

Since January 2022, FCA rules mean insurers can't quote a renewing customer more than they would quote an equivalent new customer through the same channel. That stops loyalty penalties with your current insurer, but other insurers may still be cheaper, so comparing at renewal is still worthwhile.

Car insurance guides

Guide
How can I lower my car insurance at renewal?

Practical steps before your renewal date.

Common questions

Is car insurance a legal requirement?

Yes. If you drive or keep a vehicle on a public road in the UK you must have at least third-party insurance. A vehicle that's kept off the road needs a Statutory Off Road Notification (SORN) instead.

When should I compare car insurance quotes?

Around three to four weeks before your renewal date is a good time to start. Quotes for policies starting very soon can be higher because some insurers treat last-minute buying as a higher risk.

What is a no-claims discount?

A discount for each consecutive year you've been insured without making a claim. Some insurers let you pay extra to protect it, which means a claim won't reduce it — though your premium can still go up after a claim.

Does a higher voluntary excess always make sense?

It usually lowers the premium, but you'd have to pay the compulsory and voluntary excess together if you claim. Only pick a total excess you could comfortably pay.

What happens if I give the wrong details?

Inaccurate information, such as an understated mileage or an incorrect main driver, can lead to a claim being reduced or refused, or the policy being cancelled. Check every detail before you buy.

Important: This page is general information, not financial advice or a personal recommendation. Product features and eligibility vary by provider — check the provider's own terms before you buy or apply.