Getting the best deal on your car insurance
Compare and save up to £283* your car insurance
We've partnered with MoneySuperMarket to bring Telegraph customers a way to compare quotes from across the market, getting them the best deal quickly and easily. Our service compares over 100 providers all in one place. Our FCA-regulated service covers all drivers, including over-50s and new drivers and offers third party to fully comprehensive policies .
Car insurance is a legal requirement in the UK. You must insure your car, even if you park it up on your driveway or in your garage and don’t drive it for weeks or months on end. The only exception to this is if you tell the Driver Vehicle Licensing Authority that your car is not in use - you will then be issued with a Statutory Off Road Notice (SORN). If you subsequently decide to drive the vehicle again, you must take out insurance first.
How can I cut the cost of cover?
With most people’s car insurance going up in price and costing hundreds of pounds a year, any savings that can be achieved will be most welcome. So here’s a few ways to trim the cost of cover next time your policy comes up for renewal:
Shop around at every renewal
Car insurers tend to reserve their best prices for new customers, rather than those who simply roll the policy over from year to year - in other words, loyalty definitely doesn’t pay! So always run a quote on a comparison site when your policy is due to see who’s offering the best prices this time around.
Don’t leave it till the last minute
If you run a quote the day before your old policy runs out, you’ll find the price is higher than if you did it a couple of weeks or a month earlier. That’s because insurers know you’re running out of time, so might be willing to accept a higher price. So run your quote well in advance and look for an insurer who is willing to lock-in that price for you until your renewal falls due.
Increase your voluntary excess
The higher the excess on your policy - the amount you contribute towards any claim you make - the lower the premium. But don’t set the excess too high, or you end up effectively insuring yourself for most possible incidents.
Reduce your mileage
The more miles you drive, the greater the risk of you being involved in an accident. So the fewer miles you drive, the lower your insurance premium will be. Just remember to be as accurate as possible.
You’ll snip a few pounds off your premium if you can state that you park on a driveway or in a locked garage overnight.
Avoid paying by instalments
Insurers charge heavily for this option – interest rates can be over 20%. If you can’t afford the premium in one go, consider putting it onto an interest-free purchase credit card, then paying the balance with 12 equal payments. It’s important to pay the debt within a year otherwise you’ll effectively be paying two premiums at once.
Your questions - answered
Three types of car insurance explained:
This is the minimum level of insurance required by law. It covers your liabilities if you are responsible for an accident. It will pay out for damage caused to people or property, including your passengers, but you will receive nothing for yourself or your car. This is often the cheapest form of cover.
Third party, fire and theft
This extends the cover provided by a third-party policy to include damage to your car by fire as well as compensation if it is stolen.
This covers your liabilities to other people but also enables you to claim for damages to your car if you are responsible for the accident. This tends to be the most expensive cover because it provides the broadest protection.
Can I add other people to my policy?
Yes. It is common to add a spouse or partner to a policy so both can drive the car. The person who does the most driving should be the main driver.
Can I insure my child’s car in my name?
No. That is called ‘fronting’ and it’s against the law. The person who does the bulk of the driving should have the insurance in their name. But you could be added to their policy as a ‘named’ driver, which would help reduce their premium.
Am I insured to drive other cars?
With some comprehensive insurance policies, you may be insured to drive another person’s car if they give you permission to do so, but you’ll only have third party cover. It's important to check first, as if you are under 25 or work in the motor trade it's likely this benefit won't apply. Also bear in mind that this cover is basically provided for the emergency use of another vehicle. If you’ll regularly be using someone else’s car, it’s probably worthwhile getting yourself put down as a named driver on their policy.
Can I drive abroad?
All UK car insurance policies provide third party cover in Europe. Some comprehensive policies offer comprehensive protection automatically, while with others you have to pay an additional premium.
Get an instant car insurance quote now and see how much you could be saving.
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