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Quidco Compare - Car Insurance
Finding car insurance doesn’t have to be a hassle. Compare car insurance online quickly and easily using Quidco Compare to find a car insurance quote that’s right for you. We’ll search for the best car insurance quotes from our selection of car insurance providers. We’ll show you everything from fully comprehensive cover, third party cover and third party, fire and theft cover so you can make an informed decision on what type of cover you need. Once you’ve found the right quote you just need to purchase via our link and your cashback will be tracked automatically.
What you'll need
- Your driving licence
- Your car's registration number, or failing that, your car's make, model and engine size will suffice.
- Your car's current mileage and expected annual mileage.
- Details of where you park your car and what its used for (e.g. whether you use it for business or commuting, or just for personal use).
To ensure the quote process runs as smoothly as possible, please have the following to hand:
Need to know
Can I drive a car without insurance?
Definitely not! It’s a legal requirement in the UK to have at least third party car insurance cover whilst driving. Don’t worry though, you can find car insurance quotes in minutes when you use Quidco Compare and we’ll help you find the right car insurance quote for you. Plus, you’ll earn cashback at the same time!
What does car insurance cover?
The type of car insurance you have will affect what exactly is covered in your policy, but in general it covers damage to your and another driver’s car in the event of an accident. It can also cover damage to your car from vandalism or fire and if it is stolen.
What are the different types of car insurance?
Car insurance in the UK can be split into three different categories and the type of cover you choose will depend on how much protection you’d like.
- Third party cover
This is the most basic car insurance cover you can get and is the minimum that you must have when driving on UK roads. It covers you if you damage someone else’s property or injure them whilst driving, and will cover your passengers too.
- Third party, fire, and theft cover
This is exactly the same as third party cover, except you have additional protection if your car is stolen or damaged in a fire.
- Fully comprehensive cover
This type of cover offers you the most protection, as you get everything mentioned above plus the addition of costs for repairing the car belonging to an at-fault driver. Sometimes fully comprehensive can include compensation for things like medical treatment, legal expenses and accidental damage.
Depending on the insurer and the policy, you might be covered when driving other cars, including hired cars. Some policies also allow you to name other drivers to be covered when driving the car.
- Third party cover
Is it cheaper to pay annually or monthly?
It’s usually cheaper to pay your car insurance upfront annually as many providers will charge up to 30% interest when you choose to pay monthly.
What is an excess?
An excess is what you need to pay in the event of a claim, regardless of who is to blame for the accident. The amount will vary depending on the car covered, the age and experience of the drivers on your policy.
What is a No Claims Discount?
A no claims discount is a count of the number of years you’ve driven your car without making a claim on your car insurance policy. It’s a great way of rewarding safe drivers with a discount on car insurance costs.
You can usually transfer your no claims bonus to another car, so if you buy a new one, you can continue to build up your no claims (usually to a maximum of 9 years).
If you cancel your car insurance policy halfway through the year then you will lose that year’s no claims bonus, so it’s best to wait until your policy is due to be renewed before you switch.
Should I let my policy automatically renew?
In most instances, you can usually save money by switching your car insurance provider when your policy period is up. Shop around for a new deal on Quidco Compare and you’ll earn cashback when you shop through our links, which gives you even more reason to make the switch!
How long does car insurance last?
The majority of car insurance policies last for one year, however you can get short-term cover for between one day and three months too. If you decide to cancel your car insurance policy before your policy period is up, you are usually charged a fee.
How can I reduce the cost of my car insurance?
It’s no secret that car insurance can be expensive, especially for young and inexperienced drivers. Read on for our tips on how to reduce the cost of your car insurance policy.
- Paying your car insurance annually in one go is usually cheaper than spreading the cost into monthly payments.
- Changing how your car looks or drives with modifications could increase your premium. So to keep the costs down, step away from those alloy wheels…
- Increasing the amount of excess you pay in the event of a claim can reduce the overall cost of your policy.
- Drive as safely as possible and try to build up your no claims discount to save money. The discount typically gets higher with consecutive claim-free years.
How can I get cheaper car insurance as a young driver?
Getting cheap car insurance for young drivers can be tricky, however there are a number of things you can do to help bring the costs down. Your age, occupation, where you live, type of car you drive and the type of cover you opt for all affect the cost of your car insurance.
If you’re a young driver unfortunately you don’t have age or experience on your side, so making sure the type of car you drive and how secure you make it will help bring down the costs. Choosing a car with a small engine will always work in your favour and avoid anything sporty. If you can, add an alarm, immobiliser or other built in security to deter thieves, as this will also bring down the premium.
When using the Quidco 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.
Disclaimer: Cashback amounts were earned by Quidco users from Jan – Mar 2016 and are based on an average of the top 10% of users who earned cashback for that product.