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You'll be able to compare quotes from 110+ UK insurance providers and see how much you can save.
If you’ve just bought a new car or your current policy is approaching renewal, you can browse the best deals to suit your needs in three simple steps.


Your information

Tell us about you and your car, with some personal information about you and details on the make, model and age of the car.


Your cover

Let us know what cover you need and the type of policy you’re after. You’ll also need to let us know some details about how you use your car.


Choose a policy

You’ll be provided with a list of policies that are right for you, based on your requirements. Just pick the right one for you.

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Choosing the right level of car insurance

Understanding fully comprehensive insurance

This is the highest level of cover available and covers you if your car is damaged or written off, as well as if it is stolen or catches fire. You’ll also be covered for medical expenses after an accident for example.

Fully comp policies can often vary, so make sure you’re covered for everything you need before you buy.

Is it right for me?

Fully comprehensive is right for most drivers, and these policies offer the best value for money in most cases. But you should always thoroughly check exactly what is included in different policies from different insurers.

Main features

  • Highest level of cover available
  • Covers damage from accidents, theft, fire, theft of your vehicle and medical expenses
  • Can be the most expensive level of insurance
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Understanding third party, theft and fire insurance

Third party, fire and theft (TPFT) covers the costs of damage to another person, their vehicle or property if you are at fault for causing the damage.

If you’ve been in an accident and it’s found to be your fault, you won’t be covered for any of your medical bills or repairs to your car. But you are covered against theft or fire damage.

Is it right for me?

Probably not. This kind of insurance can work out to be more expensive and offers less protection than fully comp.

Main features

  • Damage to another person, their property or vehicle is covered
  • If you’re found to be at fault, damage to your car and yourself isn’t covered
  • You will be covered if your car is stolen or involved in a fire
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Understanding third party insurance

Legally, you must have third party car insurance to drive in the UK. It means that if you damage another person’s vehicle or property, your insurance company will cover the damage. But your insurer won't cover you for any repairs to your own vehicle.

Is it right for me?

Opting for third party car insurance is often a budget conscious decision. It doesn’t offer too much in the way of cover and is the bare minimum required to get you on the road. It might be the cheapest form of insurance, but can prove expensive if you’re involved in an accident.

Main features

  • Legal minimum for driving your car in the UK
  • Often the cheapest insurance
  • Will cover damage to other people’s vehicle or property after an accident
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Compare car insurance online:
How to get the best car insurance quote to suit you.

Regardless of the car you drive and your driver profile, you can do certain things to help you save money.


If you pay upfront every year this is cheaper as no finance arrangement is needed.


Simple security devices like steering wheel locks and parking off-road can reduce your premiums.


A higher excess can push down your premiums. If it’s too high though, it won’t be good value when it comes time to claim.


Not claiming will build up your no-claims bonus and reduce your premiums.


Putting fewer miles on the clock each year will help cut the price of your policy.


A black box in your car can help reduce your premiums.

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What you should consider in your car insurance comparison

When you’re purchasing your car insurance, there are a number of add-ons that will enhance your cover. Some will be suitable for you and some won’t – it’s all about your needs as a driver.

Remember, they all cost money but some of them can save you money in the long-term. Have a look at the below and decide what might be right for you.

Breakdown cover

Helps you get home or to the nearest garage if you break down.

Personal accident cover

Provides compensation if you or a passenger is injured or killed in an accident.

Windscreen cover

Covers the repair of cracks or chips in your windscreen.

Lost or stolen keys

If you lose your keys, or they’re stolen, your insurer will cover the cost of replacing them.

No claims discount protection

You can make a number of claims each year that have no impact on your no claims discount.

Courtesy car

If your car is being repaired, you’ll get access to a courtesy car through your insurer.

Car Insurance Premiums:
Understanding your driver profile

Car insurance quotes will vary according to your personal circumstances. Here’s how your driver profile can impact the price of car insurance:

Younger drivers

If you’re a young driver, you will likely pay much more than older people for car insurance. This is especially the case if you’re under 25. The reason behind this is that drivers aged between 17 and 24 are more likely to be involved in accidents on the roads than older drivers. But there are things you can do to push down your premiums – such as installing a black box or adding a named driver to your policy.

New drivers

No matter your age, if you’ve just started driving you will pay more for your insurance than an experienced driver. If you want to cut costs, opt for a smaller and less powerful car. If this isn’t possible, choose a policy with limited mileage and a no claims bonus whilst you get more experienced on the roads.

Older drivers

As you get older, your car insurance gets cheaper until you hit 70-75. It then gets more expensive due to the increased likelihood of you having a condition that impacts your safety when driving. It may still be cheaper than car insurance for people under 60, however.

Disabled drivers

Legally, you can’t be charged more for your cover on the basis of your disability. But you will likely have certain needs that may not be covered by standard car insurance policies – this can include any modifications you’ve made to your car.

Convicted drivers

If you have points on your license or a criminal conviction, car insurance can get expensive. It’s therefore important to compare as many policies as you can to find the cheapest car insurance quote.

Professional drivers

Whether you’re an Uber driver or a driving instructor, you’ll be using your car in ways that aren’t covered by a normal policy. You’ll need to consider extra mileage and potential injury to your passengers.


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The information contained within this page is for editorial purposes only and not intended as financial advice. Green Car Guide Ltd (FCA FRN 983931) is an Introducer Appointed Representative (IAR) of Seopa Ltd, who is authorised and regulated by the FCA (FCA FRN: 313860).