Car insurance quotes

Do I need car insurance?

Car insurance is a legal requirement. If you own or drive a car in the UK, the law says you must have at least third-party only insurance. You must have insurance, even if you don’t drive your car, and you keep it parked on a road, driveway or in a garage. This applies to all drivers, and you can find car insurance for:

Young drivers: If you're a driver aged between 17 and 24

Learner drivers: If you're taking lessons with a provisional licence

Over 50s

Named drivers: If you want another driver on your policy

New drivers: If you’ve recently passed your driving test

Disabled drivers: If you need extra protection because of your disability

How much does car insurance cost?

Lots of different things can affect the price of your car insurance, but in general your premiums usually tend to get cheaper as you get older. 20 – 24-year-olds, for example, pay £1,241 a year for fully comp cover, 30 – 39-year-olds pay £627, and 50 – 64-year-olds pay around £3214.

That’s because insurance companies think younger drivers are more likely to make a claim, because they have less driving experience and a higher chance of being involved in an accident.

Fully comprehensive cover is usually the cheapest option, even though it offers the most cover out of the three options. It used to be the other way around, until insurers noticed they were getting more claims on third-party only policies, because younger or newer drivers would choose this as the cheapest option.

This pushed the price of third-party only policies up, so the trend reversed – and now, fully comprehensive cover is cheapest.

What else affects your car insurance premiums?

Insurers consider lots of things when they work out how risky you might be – and the more of a risk you pose, the higher the price of your car insurance will be. Considerations include:

Your location: Some postcodes may have higher rates of theft or vandalism than others. Those living in London, for example, pay on average £807 for their yearly premium, whilst those in Scotland pay only £4925 

Your job: Insurers might see some jobs as higher risks, especially if they involve driving a lot of miles or being around heavy machinery 

Your mileage: The longer you spend on the road, the more likely you are to be involved in an accident. If you drive infrequently, you could save money with low-mileage cover

Your car make and model: Cars in higher insurance groups usually cost more to cover. Find out which car insurance group your car is in with our car insurance group tool checker

Your car storage and security: Garages, driveways and car ports generally reduce the risk of theft or vandalism

Your driving history: This includes any driving convictions you may have as well as any claims you’ve made on car insurance policies in the past 

Your voluntary excess: Volunteering a higher excess fee tells insurers you’re less likely to make frivolous claims for low amounts 

Any other drivers on your policy: If you’re younger than 25, you might find adding a more experienced driver to your policy brings your premiums down

Do driving courses help lower the cost of insurance?

While driving courses such as Pass Plus or IAM make you a better driver, they won’t always save you money on your car insurance policy. In fact the average person won’t see any difference in premiums whether or not they have Pass Plus on their licence – but that doesn’t mean it can’t benefit anyone at all. Younger or inexperienced drivers might be able to save a few quid, but it’s better to shop around and compare options – this way if insurers do offer discounts you’ll be able to take advantage.

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