Auto insurance helps protect you and your vehicle if you are involved in an accident

 Starts with types of insurance:

Comprehensive: The greatest level of coverage available is fully comprehensive automobile insurance. Damage, repairs, medical expenditures, fire damage, and theft are all covered. As well as causing harm to another person's car or property.

Third part Fire and Theft insurance: Third-party, fire, and theft insurance covers other people, their vehicles, and their belongings, as well as your own vehicle in the event it is stolen or damaged by fire.

Simple Third-party insurance: The bare minimum legal need is third-party only car insurance, which is also the most expensive sort of coverage. It covers other people's injuries as well as damage to their vehicles and property.

Do you need this car insurance?

Car insurance is required by law. If you own or drive a car in the United Kingdom, you are required by law to carry third-party only insurance. Even if you don't drive your car and have it parked on a street, driveway, or garage, you must have insurance.

Other types of car insurance:

-> Young drivers
-> Learner drivers
-> Over 50’s
-> Named drivers
-> New drivers
-> Disabled drivers

How much a car insurance cost?

A variety of factors might influence the cost of your automobile insurance, but in general, prices tend to decrease as you get older. For fully paid coverage, 20–24-year-olds pay £1,249 a year, 30–39-year-olds spend £629, while 50–64-year-olds pay roughly £310.

Because younger drivers have less driving experience and a higher risk of being involved in an accident, insurance firms believe they are more likely to file a claim.

Even though it provides the greatest coverage of the three options, fully comprehensive coverage is frequently the most affordable. It used to be the other way around, until insurers realised they were getting more claims on third-party only plans because younger or newer drivers would chose this as the most cost-effective choice.
As a result, the cost of third-party only plans increased, and the trend flipped, with fully comprehensive coverage now being the most affordable.

What details you need?

Details of the vehicle you want to insure:

If you know it, the car's registration number. If not, the make and model are satisfactory. We'll also need information about the vehicle's age and any modifications you've made.

Your personal details and the license:

Include your occupation, age, and residence, as well as any extra drivers you may have. We'll also need to know what kind of driver's license you have, how long you've had it, and any claims or driving history you have.

Purpose of the vehicle you want to insure:

Social, commuting, or business, as well as the number of miles you'll cover in a year. For security reasons, you'll also need to specify where you'll park the automobile at night.

The specifics of your no-claims discount will help you receive reduced costs. Find out how many years of no-claims discount your insurer will honor by using our no-claims discount calculator.