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Compare car insurance quotes from across top UK providers

iFinance has partnered with Quotezone.co.uk to help you save money on your car insurance.

Whether you’re a learner driver or a seasoned motorist, you don’t need to be confused over what insurance is best for you. You’ll have a much better chance of finding the best car insurance premiums if you compare car insurance quotes from a wide range of providers.

  • Compare quotes from 120+ providers and you could save up to £530*
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  • 97% of reviewers recommend Quotezone†

What level of car insurance do I need?

Third party

This is the minimum level of car insurance required under UK law, and is essentially intended to protect other drivers when you take to the roads. To that end, third party insurance covers the cost of damage to a third party’s vehicle if you’re involved in an accident and you were at fault, but it isn’t always the best car insurance policy (even if it is occasionally the more affordable car insurance option) because it will not cover the cost of repairing or replacing your own vehicle.

Third party, fire and theft (TPFT)

This is similar to third party insurance, but will also pay out if your own car is stolen or damaged by fire.

Comprehensive cover

As the name suggests, fully-comp is the most comprehensive level of cover a driver can take out in the UK, and as such it’s generally the best car insurance option. This type of policy includes everything that’s covered by TPFT, but will also cover the cost of repairing or replacing the vehicle of an at-fault driver. This type of insurance will also pay out if you’re involved in an accident with an uninsured driver, which isn’t covered by lower levels of cover.

How much does car insurance cost?

Since everyone’s risk factors and insurance needs are unique, the easiest way to categorise the average for car insurance premiums across the UK is by region.

Unsurprisingly London tops this list with an average annual insurance cost of £781. This is largely due to increased congestion in larger cities and the associated risks that accompany it. These risks can include higher chances of being involved in a crash, theft, damage to parked vehicles, and so on. Further to this point, rural counties such as Devon and Cornwall enjoyed the best value car insurance in the UK as a whole. The average premiums of only £422.88

Although these figures are good indicators of what you can expect to pay in your region regardless of the other circumstances which may influence your premiums, it’s important to note that you can always save on your premiums. You just need to know where to look.

HOW IT WORKS:

Provide details about you and your car including basic personal information, as well as details on the make, model and age for your car.

Provide details on what type of cover you need and how you use your car.

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FAQ: All your car insurance questions answered

I know the driver’s age is an important factor in any car insurance search, but do providers also take gender into account?

Women drivers are less likely to be involved in an accident than men, less likely to receive driving convictions and less likely to have penalty points added to their license.
In fact, Road Safety GB, a British road safety organisation, has published data revealing that men receive 72% of all penalty points and 69% of all drink-driving convictions. That fact used to translate into cheaper car insurance for women, with a number of specialist insurance brands specifically created to provide female drivers with very cheap car insurance (Sheila’s Wheels, Diva Insurance and Diamond Insurance, for example).
However, that all changed in 2012 when the EU’s new gender directive made it illegal for insurance companies to use gender as a factor when calculating premiums. While some of those female-centric insurance brands still exist today, they now serve both male and female drivers and the gender of a policyholder doesn’t play any role at all when they’re looking for the best car insurance quotes.

Does my car insurance policy give me the right to drive someone else’s car?

If you take out third party or third party, fire and theft insurance you will usually only be covered to drive your own vehicle.
Some fully comprehensive car insurance policies, on the other hand, also provide the main driver on that policy with third party cover to driver someone else’s car. This type of ‘any car’ inclusion used to be very common on fully-comp policies, but some insurance providers no longer include it as standard so it’s essential that you check the wording in your own policy documents before getting behind the wheel of a friend’s or family member’s car.
If an ‘any car’ inclusion isn’t included on a fully-comp policy as standard it may be possible to add it for an additional fee.

What is an insurance excess?

The ‘excess’ on an insurance policy is the initial portion of the costs that the policyholder would have to pay themselves in the event of an insurance claim.
Here’s an example:
If a motorist had a car insurance policy that carried a total excess of £500 and they filed a claim for damage to their vehicle amounting to £2,000 they would have to cover the first £500 themselves, with the insurer covering the remaining £1,500.

Will opting for a high voluntary excess ensure I get offered the best car insurance quotes?

Most policies have two separate excess amounts: a ‘compulsory excess’, which is determined by the insurance provider and can’t be modified or removed; and a ‘voluntary excess’, which is set by the policyholder and can often be adjusted upwards in order to reduce the annual premium.
However, agreeing to a very high voluntary excess doesn’t necessarily guarantee you’ll be offered the best car insurance quotes, and it’s still important to shop around by comparing quotes from a wide range of different providers. It’s also important to ensure the excess you opt for won’t be beyond your budget in the event of an accident.

What is dash cam insurance?

Some insurance providers may be willing to offer motorists a discount on their car insurance if they have a dashcam installed in their vehicle, because dashcams can offer providers valuable evidence about exactly what happened in the event of an accident.
This video footage could potentially help to prove that the provider’s own policyholder wasn’t at fault, and can also help to reduce the risk of ‘crash for cash’ insurance claims.

How can I get cheaper car insurance?

When you’re starting to search for a new car insurance policy there are a number of things you can do that will increase your likelihood of finding a cheaper quote.
First and foremost, you should use an unbiased price comparison platform like Quotezone.co.uk before you accept a renewal quote from your existing provider. That way you’ll be able to compare quotes from a wide range of providers in a matter of minutes.

Why is comprehensive insurance cheaper?

Fully comprehensive car insurance offers drivers more protection than lower levels of coverage, which means there are more types of incidents where your insurer might have to pay out.
In some cases this is reflected in higher premiums for comprehensive insurance policies.
However, some insurers do take into account the fact that riskier drivers often search for less comprehensive cover because they assume it will be cheaper, which could mean there is an increased risk of an insurance claim on some third party or TPFT policies even though the insurer is covering fewer types of incidents on those policies.
In practice that means fully-comp can potentially be more expensive, less expensive or the same price as lower levels of cover, which is why it’s a good idea to compare quotes for fully-comp even if you’re thinking of taking out less coverage.

How can I get free car insurance?

While it’s true that there’s “no such thing as a free lunch”, some companies do offer motorists free car insurance as an incentive when they make a larger purchase.
The most common scenario is a car dealership offering drivers free car insurance for 12 months when they buy a brand new car.
While this type of incentive is sure to be attractive to many motorists, it isn’t always a good idea to search down these offers or use them as the deciding factor when you’re buying a car. It’s important to make sure you’re not paying over the odds for the vehicle (or buying a vehicle you don’t really want) in order to secure the free car insurance offer.
After all, the cost of that insurance policy will almost certainly have been built into the cost of the car in some way, so you might be getting very cheap car insurance but it isn’t entirely free even though the real cost might not be obvious.

I need to discuss my quote over the phone

The iFinance comparison system (provided by Quotezone.co.uk) is an online comparison only. To discuss your quote over the phone, please contact the insurance provider directly.

I’m having issues using the iFinance comparison system (provided by Quotezone.co.uk)

If you have any questions or issues relating to the insurance quote forms, please contact customerreply@quotezone.co.uk

Purchase an insurance policy today, and complete the claim form here to receive your Amazon gift card.  Please make sure to enter the same email address that was used to purchase your insurance policy. If you purchase an insurance policy from iFinance Car Insurance – provided by Quotezone, iFinance will be paid a commission.

*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier. ^For more information about redeeming voucher, please visit: inews.co.uk/voucher-terms †According to Reviews.io customer reviews.

The car insurance comparison system is provided by Seopa Ltd who are authorised and regulated by the Financial Conduct Authority. Quotezone is a trading style of Seopa Ltd (FCA number 313860). Associated Newspapers Limited, trading as iFinance, is an Introducer Appointed Representative of Seopa Ltd.

All information is intended for editorial purposes only and is not intended as a recommendation or financial advice.

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