Compare car insurance

Compare cheap car insurance quotes, you could pay £297 or less and get £40 cashback on top. 51% of customers received a quote of £297.20 or less for Comprehensive Insurance in October 2021 when using Quidco Compare car insurance.

Compare car insurance illustration
Compare car insurance illustration

Compare over 100 providers. Found a cheaper like-for-like quote on another UK comparison site? We’ll pay you the difference. Apply for our PRICE MATCH GUARANTEE**.

1
Get quotes

Enter your details. We’ll find the quotes and prices suited to you. We’re so determined to be the cheapest that if you find a cheaper quote on another UK comparison site, we’ll pay you the difference (up to £100). Apply here for PRICE MATCH GUARANTEE**.

2
Compare

Compare the prices from the car insurance providers you can trust, including Admiral, Aviva and Hastings Direct.

3
Get paid

Once you’ve chosen the car insurance for you, sit back and wait for your cashback to roll in. Please note that it can take 8-10 weeks for the transaction to appear in your Quidco account, and your cashback paid up to 120 days.

Why get a car insurance quote with this comparison site?

Not only can you save on your car insurance as you can with other comparison sites, but you’ll also make cashback on top. This way, you can make money while you save money.

Admiral Insurance Logo
Axa Insurance Logo
Hastings Direct Insurance Logo
AA Insurance Logo

What levels of car insurance cover are there?

Third party

This is the most basic level of car insurance, and it’s the minimum cover that you’re legally required to have. This covers other people but not you. So if you injure someone or damage their vehicle or property, they’ll be covered. But you’ll have to pay for it yourself if your vehicle is damaged or stolen.

Third party, fire and theft

This level of car insurance is pretty similar to third party. It covers other people if you injure them or damage their vehicle or property. And if your car is damaged, you have to pay for it yourself.

The difference is that with this level, you will be covered for repairs and replacements if your car is stolen or damaged by fire.

Fully comprehensive

This is the most holistic level of car insurance. Fully comprehensive car insurance covers you for all of the things you’re covered for under third party and third party, fire and theft. Under this level, you’re also covered if your own car is damaged — even if it was your own fault.

Fully comprehensive covers you for any medical expenses, repairs, fire damage, theft and vandalism (somebody deliberately damaging your car).

Getting a lower level of insurance doesn’t necessarily mean cheaper car insurance. You can sometimes get fully comprehensive cover for less money than third party.

What details do I need to get a car insurance quote?

Details of your car

Ideally, you’ll have your car’s number plate. Don’t worry if you don’t have it to hand. You can still get a quote using other details of your car.

Driving license and convictions

What type of license do you have? How long have you had it? Have you had any points or disqualifications over the past five years?

Previous claims or accidents

Raised a claim or had an accident in the last five years? We’ll need the date and cost of the claim and the nature of the accident.

No-claims bonus (NCB)

An NCB is a count of the number of years you haven’t made a claim on your insurance. You’ll need details of your NCB. You can get these from your current car insurance provider.

Details of any other drivers

Planning on having other people use your car? You’ll need their names and license details.

alt

Our expert says

Insurance can be pricey, especially if you renew with the same firm every year. That’s why you should always shop around 23 days before renewal. Running a quote with Compare lets you compare policies from over 100 car insurance brands and makes it easy to switch if you find a cheaper deal — without sacrificing your quality of cover. We even offer PRICE MATCH GUARANTEE. Apply here.

— Francisco Villagrán, Head of Quidco Compare

alt

What car insurance policy is best for me?

Multi-car insurance

Multi-car

Insure up to six cars, registered to the same address, under one insurance provider. Multi-car insurance can be a cheaper way of insuring several cars, as you’ll usually get discounts for each car you add to the policy.

Temporary car insurance logo

Temporary

Get temporary insurance if you want to drive a car for a short period of time. With this cover, you pay by the day. There is usually a limit on the number of days you have short-term insurance.

Learner insurance logo

Learner

What it says on the tin. If you have a provisional driving license, learner insurance lets you get insured on a friend’s or a family member’s car for a short period of time. This can help you on your way to passing your driving test.

Black box / telematics illustration

Black box / telematics

Your car can be fitted with a black box that gathers data on your driving behaviour. This data can then be used to calculate a renewal quote. This cover is great if you feel you want to prove you are a safe driver.

Classic car illustration

Classic car

Cover for classic cars that are older than 15 years. Unlike the name suggests, you don’t have to drive an Aston Martin to be eligible for this cover.

Business car insurance illustration

Business

Business car insurance covers you if you use your car for work-related driving, other than commuting.

  • Multi-car insurance

    Multi-car

    Insure up to six cars, registered to the same address, under one insurance provider. Multi-car insurance can be a cheaper way of insuring several cars, as you’ll usually get discounts for each car you add to the policy.

  • Temporary car insurance logo

    Temporary

    Get temporary insurance if you want to drive a car for a short period of time. With this cover, you pay by the day. There is usually a limit on the number of days you have short-term insurance.

  • Learner insurance logo

    Learner

    What it says on the tin. If you have a provisional driving license, learner insurance lets you get insured on a friend’s or a family member’s car for a short period of time. This can help you on your way to passing your driving test.

  • Black box / telematics illustration

    Black box / telematics

    Your car can be fitted with a black box that gathers data on your driving behaviour. This data can then be used to calculate a renewal quote. This cover is great if you feel you want to prove you are a safe driver.

  • Classic car illustration

    Classic car

    Cover for classic cars that are older than 15 years. Unlike the name suggests, you don’t have to drive an Aston Martin to be eligible for this cover.

  • Business car insurance illustration

    Business

    Business car insurance covers you if you use your car for work-related driving, other than commuting.

    How do I get cheap car insurance?

    Compare and get cashback

    By comparing insurance policies here, you could save money and earn £35 cashback.

    Don’t auto-renew

    Loyalty is expensive. Don’t let your car insurance auto-renew. You could make your insurance cheaper by shopping around and finding a better deal when your insurance is up for renewal.

    Pay annually

    Paying for your car insurance year in one go could be a lot cheaper. You’ll avoid the added interest rates of paying monthly.

    Increase your voluntary excess

    You could make your premium cheaper by increasing your voluntary excess — the amount that you’re willing to pay if you raise a claim. If you believe you’re a safe driver, this can be a smart way to reduce the cost of your premium.

    Limit your mileage

    One of the factors insurers take into account is mileage. The fewer miles you drive, the less insurers will see you as a risk. So reduce your mileage to make your car insurance cheap — maybe take public transport every now and again. Don't be tempted to lie to you insurance provider about your mileage, though. There are serious repercussions for doing this.

    Related guides

    How to get cheap car insurance

    Looking for a cheap insurance quote? Check out this guide, which covers some of the main ways to get cheaper car insurance. Read now

    Multi-car insurance explained

    Do you live in a household that has multiple vehicles? Find out how to save money with our helpful guide to multi-car insurance. Read now

    How is car insurance calculated?

    We help you understand just how car insurance companies produce their quotes and calculate what you pay in this latest guide. Read now

    FAQs

    Do I need car insurance?

    In a word, yes. Not only is having car insurance financially wise, it’s also a legal requirement. Under the Road Traffic Act 1988, all drivers must be insured against their liability to other people.

    If you’re driving without car insurance you could be fined or even banned from driving. There is no limit to how much you can be fined and you’ll likely receive six to eight points on your license. You do not want this.

    Does my car have insurance?

    It may seem like a silly question but it is not. With insurance providers auto-renewing insurance and multi-car insurance meaning you might be covered under somebody else’s policy, it’s easy to not know who you’re provider is or if you’re insured at all. And as we know, not being insured is a big issue.

    Finding out if you’re insured is easy. Search your number plate on the Motor Insurer’s Database (MID). It will tell you whether you’re insured and the make and model of your car — this part is free. If you would like to find out the name of the insurer and further policy details, it’ll cost you £4.

    What is excess in car insurance?

    Excess is the amount that you have to pay if you make a claim against your car insurance. There are two types of excess: compulsory excess and voluntary excess.

    Compulsory excess is just that: compulsory. It’s the fixed amount you have to pay if you make a claim. Let’s say your compulsory excess is £200, and you make a claim of £800. Your provider will hold on to the £200 and give you the £600.

    Your compulsory excess will likely change depending on what kind of driver you are. If you are under 25 years old, you’ll probably have a higher compulsory excess, as you’re considered a higher risk driver.

    Voluntary excess is how much you decide to pay on top of your compulsory excess if you make a claim. The reason people decide to set up voluntary excess is to lower the cost of their insurance premium. 

    Having a higher voluntary excess can be a bit of a risk. Think carefully about how much voluntary excess will change the cost of your insurance, and how careful a driver you are. You don’t want to be in a scenario where you make a claim but can’t afford your voluntary excess.

    What are the insurance groups for cars?

    Your car will fall into one of 50 car insurance groups. This applies to all cars, everything from luxury 4x4s to electric cars.

    The group that your car insurance falls in is a factor that helps determine how much your car insurance premium will be.

    Cars that fall into group 1 are the cheapest cars to insure. The higher up the group, the more expensive the insurance, until you get to group 50, which is the most expensive for insurance. 

    How expensive, rare and powerful your car determines what group your car falls into. The cheaper and more common your car is, the lower the group it’ll be in.

    Why is car insurance so expensive?

    While it’s widely accepted that car insurance can be costly, and premiums have increased in recent years, there are good reasons for this.

    These include a rise in personal injury claims such as whiplash, which has been driven by what some people refer to as a “compensation culture”, seen in TV advertisements encouraging people to claim for accidents. 

    Legislative changes like the increase in Insurance Premium Tax to 12% in 2017 have also boosted premiums.

    The ‘Ogden Discount Rate’ an industry guideline set by the government, on life changing accidents, was reduced from 2.5% to -0.25% in recent years. This led to an increase in compensation payouts. 

    Meanwhile, the rise of keyless entry technology has made it potentially easier to break into and steal vehicles, leading to an increase in theft claims.

    In addition to all this, uninsured drivers continue to cost the industry significant amounts of revenue, the cost of which unfortunately has to be passed on to consumers.

    It’s factors like these and others that have driven the continued rise in payments.

    When does car insurance go down for a young driver?

    There’s a popular theory that car insurance goes down once you hit 25. In reality this isn’t always the case. The price of your car insurance is based on a range of factors and not just your age.

    As a young person, there are still ways you can make your car insurance cheaper. For example, consider adding an older, experienced driver (like a parent) to your insurance to reduce the price.

    When can I expect my cashback to be confirmed?

    Your cashback should be confirmed and ready for withdrawal within 120 days of you taking out a quote. In some cases, it may take longer — if you haven't received your cashback within 120 days, please get in touch with our support team. Please note that it can take 8-10 weeks for the transaction to appear in your Quidco account.

    Which drivers are consider to be the safest on the road?

    Older drivers are statistically considered to be some of the safest on the road. Groups such as the over 50s and over 60s attract some of the lowest premiums.

    Women drivers, while legally not allowed to receive discounts or favourable quotations based on their gender, tend to drive in a safer manner, driving more economical, less powerful vehicles, and have occupations that have a lower risk rating. As a consequence, they tend to be offered lower premiums.

    Useful information

    Please note: by clicking the "Get a quote" button, you consent to your details being used by the comparison partner and insurance quote providers. Don't worry they won't call or email though.

    When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.

    Quidco is a trading style of Maple Syrup Media Ltd which is an appointed representative of Inspop.com Ltd t/a Confused.com who are authorised and regulated by the Financial Conduct Authority. Maple Syrup Media Ltd is entered on the Financial Services Register under reference 808298 and registered in England and Wales, registration number 05498276, with its registered office at 76-80 Great Eastern Street, London EC2A 3JL. Quidco is an intermediary and receives a percentage of the commission if you buy directly through us. By using this system, you are agreeing to our terms and conditions & privacy policy.


    *Quidco ran a prize draw between 22.07.20 and 05.08.20 asking participants to test us by comparing two car insurance quotes: one from Compare and one from any other UK comparison site. Out of 2,392 participants, 82.25% received a lower premium from Compare with their cashback included.

    **Go to these links for full details on PRICE MATCH GUARANTEE & full terms and conditions

    ******51% of customers received a quote of £297.20 or less for Comprehensive Insurance in October 2021 when using Quidco Compare car insurance.