Compare car insurance quotes
Don’t have your registration number? No problem, click here.
Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.
Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.
Increase your chance of finding a great deal by comparing multiple companies using a single form.
Purchase your insurance policy quickly and easily; monthly and annual payment options are available.
Get your quotes by filling in one simple form, compare prices, and start saving.
Join our ever-growing list of satisfied customers today.
Our website uses Cloudflare's security features for your peace of mind.
We aren’t owned by or have any investment from any insurance company.
To begin with, first-time car insurance isn’t just a recommendation in the UK – it’s a legal requirement. Before you hit the road, you must ensure your vehicle is insured. This guarantees protection against financial consequences should you be involved in an accident or cause damage to another person’s property.
Various factors play into the cost of your first-time car insurance in the UK:
Navigating the world of car insurance doesn’t mean you have to accept sky-high premiums. Consider the following strategies:
Absolutely! In 2023, many insurers in the UK offer policies tailored to new drivers. One famous example is telematics or ‘black box’ insurance. With this policy, a device is fitted in your car to monitor your driving habits. Safe driving can result in lower premiums over time.
Uninsured driving is a severe crime in the UK. Offenders face hefty fines, license points, or even a driving ban. For instance, in 2020, a new Birmingham driver faced a £300 fine and six penalty license points for driving uninsured.
Additionally, securing the right car insurance as a first-time driver in the UK can seem daunting. But with thorough research, understanding of the factors affecting premiums, and awareness of the potential penalties for driving uninsured, you can confidently make informed decisions and enjoy the freedom of the open road.
You are breaking the law if you do not drive with the correct insurance. Failing to take out an insurance policy can result in the police seizing and destroying your vehicle. Not only will you get points on your licence, but you will also face much higher premiums. It’s not worth the risk, especially when the chances of getting caught are high.
In summary, here are some essential suggestions:
Many new drivers do not realise their vehicle impacts the insurance rates offered. High-performance cars with large engines and expensive, flashy cars result in higher insurance rates. If you have yet to buy a vehicle, ensure it is low insurance. You can figure out whether this is the case by quickly searching online.
To summarise, many new drivers are reluctant to choose a black box policy. They fear a driving curfew and premium hikes with minimal driving errors. Thankfully, these fears are unfounded. While curfews were a feature of the first black box policies, this is no longer true. Premiums are now calculated based on driving ability. Yet, this doesn’t mean you need to be a perfect driver. A few late breaks here and there will not be enough for your insurer to increase your policy. Many people buy a black box for their first car insurance policy, and after a few years, they get rid of it.
Please note: SEOPA provides the Quote system. Insuro is not responsible for any results produced.
Car insurance is essential to responsible car ownership, offering financial protection in the event of an accident, theft, or damage. Understanding car insurance and its terms can sometimes be overwhelming, but navigating with the correct information becomes much more accessible. This blog post will define car insurance, explain its meaning, and break down key concepts […]
What is the “National Highways Red X?” In the UK, “National Highways Red X” is a term used on smart motorways to indicate lane closure. Red Xs are displayed on overhead gantries and signal drivers that the lane is closed and should not be used. The red Xs are used to increase safety and manage […]
So, you’ve bought a second-hand car and are ready to compare car insurance to get the best possible deal. But do you know how many modifications your new car has? A recent study showed that only 1.7 per cent of drivers declare modifications on their vehicles. This could be intentional or simply because people aren’t […]
