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Get your motor covered. Head out on the highway. Looking for a saving? Then step right this way.

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  • Compare up to 105 UK car insurance providers
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Why do I need car insurance?

Car insurance is a legal requirement for any person driving a vehicle in the UK. Driving without insurance could result in a hefty fine, points on your drivers licence, or even the removal of your licence altogether.Whilst many see car insurance as an unnecessary expense, it can turn out to be extremely rewarding if you ever find yourself in a sticky situation. It covers you if your car is stolen, involved in an accident or if you cause accidental injury or damage to another vehicle or property.

Covering the costs of vehicle damages or injuries to others without car insurance is not feasible, hence why car insurance has become part of the law.

What are the different types of cover?

There are three main types of cover for car insurance: Comprehensive, Third Party Fire & Theft and Third Party. Each type is designed to suit specific individuals, so make sure you fully understand each cover to find the right car insurance for you rather than simply heading for the cheapest option.

Comprehensive Cover

This is the most complete form of car insurance you can get, so if you’re looking for top cover, this is the option for you. Comprehensive car insurance covers you for third party, fire and theft, as well as you or your own vehicle in the event of an accident.

What is covered?

  • Injuries to others, both in your car and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
  • Replacing your car if stolen.
  • Damages to your car as a result of attempted theft or fire.
  • Damages to your car.
  • Cover for your personal injuries.

Third Party Fire & Theft

This type of policy is offers slightly more cover than the legal requirement but it is still limited in what it protects you from. It covers you in the same way that third party car insurance does but it also includes cover for fire and theft. This is often a popular choice for those who need a bit more cover without the price tag.

What is covered?

  • Injuries to others, both in your car and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
  • Replacing your car if stolen.
  • Damages to your car as a result of attempted theft or fire.
What isn’t covered?

  • Other damages to your car.
  • Cover for your personal injuries.
  • A pay out if your car is written off.

Third Party

All drivers are legally required to at least be covered with Third Party insurance. It offers the most basic form of cover, offering protection if you damage someone else’s car or cause injury to someone in an accident. It also covers you if you cause injury to passengers of your car. This is often a popular choice for first-time drivers, cheaper cars, and those on a budget.

What is and isn’t covered?

  • Injuries to others, both in your car and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
What isn’t covered?

  • Damages to your car.
  • If your car is stolen.
  • If your car is destroyed by fire.

What specific type of car insurance is right for me?

There are a few different insurance options available on the market. These include:

Looking for extra cover?

  • Breakdown cover. This means that if you break down at any time, you can call someone to come and help get you out of trouble. Your provider will send someone out to you to try to fix your car or tow the car to a garage.
  • Courtesy car/hire car cover. If your car is being repaired or has been written off after a claim, this extra cover means you’ll be provided with an extra vehicle.
  • Legal expenses cover. Insurance providers can cover the legal costs of you taking someone to court in order to reclaim any costs as a result of an accident. It can cover you for pursuing compensation for medical expenses, hire car costs, loss of personal items such as jewellery. It can also cover you if someone brings a claim against you.
  • Cover for driving abroad. Whilst your insurance policy will already cover you for third party insurance abroad, you may want to consider taking out extra coverage. It wouldn’t break the bank to add fully comprehensive cover onto your policy and it may end up saving you a fortune.
  • Windscreen cover. Repairing a windscreen can cost you a lot, so this additional extra may just be a saving grace. For a few extra pennies, your insurer can cover the costs of any chips and cracks in your windscreen.
  • Personal accident cover. This will cover you if you or your partner suffer a serious injury as a result of a car accident. Your insurer would pay to help with medical treatments, lost income and recovery costs.
  • Replacement key cover. If you lose your keys or they’ve been stolen then this cover the cost of replacing them.
  • Protected no claims. If you have protected no claims cover then if you were to make a claim then your no claims bonus would stay intact. To purchase this you normally need to have about 3 or 4 years of no claims.

Optional extras to add onto your car insurance policy.

Compare insurance rates by car make and model

Find car insurance rates for individual car makes and models. Your car’s make and model is the #1 factor that determines your insurance costs. Just click on the brand(s) you’re interested in below to get started.

How can I claim if I’ve had an accident?

If you’ve been involved in an accident, you might decide to make a claim. To increase the likelihood of the process going smoothly, keep the following tips in mind:

  • At the scene of the accident. Don’t admit that you were to blame. You should make a note of the names, contact information and registration numbers of the other people involved in the accident. You should also get hold of and record the number of the police report, if it applies.
  • Before you make the claim. Consider all the consequences that might arise as a result of making a claim. You should also make sure that you’re fully aware of any excess obligations you might have you accept that you could be loosing your no-claims bonus.
  • Making a claim. You must give the insurance company complete and accurate information surrounding your accident as clearly and as quickly as possible.
  • Fill out a formal claim form if necessary. If available, provide as many supporting documents as possible and make sure that the insurance company acknowledges that your claim was received. Next, you’ll have to answer any questions that are relevant for the assessment of your claim and, to ensure everything goes smoothly and you get an answer as quickly as possible, make sure you stay up to date with how your claim is progressing.

How to make a successful car insurance claim.

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*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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