Child car seat insurance

Find out if you could benefit from insurance for your child's car seat. And compare deals from providers that offer it now.

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If you have young children, you will probably have the requisite car seat so they can travel safely on car journeys. But did you know that if you have a bump in your car, you should really replace all child car seats in case they’ve been damaged or weakened as a result of the impact? Don’t be left out of pocket if you do have to replace child seats. Read our guide to see if child car seat cover is for you.

What is car seat protection cover?

If you’re involved in an accident, having car seat cover can mean that you are partially or fully reimbursed for the money you spend on replacing any child car seats fixed to your car with new ones, whether the original seats had been damaged or not.

Why do I need child car seat insurance?

If you have children, having the right car seat for each of them could set you back a fair amount. But if you have to replace each one of them after an accident, the bill can soon stack up. Having child car seat insurance could save you money and still keep your children safe while travelling by helping towards the cost of replacement car seats.

Does my car insurance cover children’s car seats?

Don’t assume that your comprehensive car insurance policy will include cover for your children’s car seats. An insurer may well cover the replacement of car seats but it’s always worth checking in case this cover isn’t included. With some insurers, you may have the option of enhancing your standard car insurance policy by adding child car seat cover to your policy.

What is covered?

What is actually included with child car seat insurance will very much depend on the insurer offering the cover.

Some insurers may only cover one child car seat while other insurers may cover more than one. There may be other insurers that extend child car seat cover to other items relating to children such as pushchairs or other baby accessories.

When deciding on car insurance, consider the following:

If you have children, you’ll want to keep them safe, whether you’re at home, out and about or in the car. When buying car insurance, it’s worth considering whether the policy satisfies the following elements in relation to children’s car seats:

  • Is child car seat cover automatically included in the car insurance policy as standard?
  • Will the insurer offer you money or a replacement child car seat?
  • Will the money offered by the insurer cover a replacement child car seat?
  • Will the insurer offer money or a replacement for a child car seat that has no visible damage after an accident?
  • Will the insurer cover only one child car seat or more than one? Up to how many car seats will the insurer cover in total?

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Moneyfacts.
*Based on data provided by Consumer Intelligence Ltd, (Feb ’24). 51% of car insurance customers could save £561.39

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