Car insurance is a legal requirement in the UK, but not all policies are equal and premiums can vary significantly. Even with a strong driving history, costs can still be high, so it is essential to compare car insurance to secure the best deal.
Understanding Car Insurance
Car insurance can pay out in the event of damage, theft, fire, or accidents. There are three main coverage levels:
- Third Party: The most basic level of cover, for damage to other vehicles, property, or individuals.
- Third Party, Fire & Theft: Includes third-party cover plus protection against fire and theft
- Comprehensive: The highest level of cover, including the cost of damages to your own car, as well as any third party claims.
What affects your premium?
Insurance premiums vary by insurer, which is why it's worth comparing policies to ensure you get the protection you need. The price you pay depends on many different factors, but key factors include:
- Your vehicle’s make, model, age, and cost
- Your annual mileage and usage
- Your personal details, like age, location, and profession
- Your driving history no claims discount (NCD)
Compare quotes from over 100 insurers to find the right car insurance policy at the best price.
