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We have curated an extensive list of frequently asked questions (FAQs) from individuals who are seeking to insure their car. Our comprehensive list covers a wide range of topics related to car insurance, including the different types of insurance, factors affecting insurance costs, and how to choose the right insurance provider. Our goal is to provide our users with the information they need to make informed decisions about their car insurance options and to help them navigate the often confusing world of car insurance.
Car insurance is a contract between you and an insurance company that protects you financially in the event of an accident, theft, or other damage to your vehicle.
Yes, car insurance is mandatory in the UK. You must have at least third-party insurance to drive legally on public roads.
There are three main types of car insurance: third-party, third-party fire and theft, and comprehensive. Third-party insurance is the minimum level required by law, while comprehensive insurance offers the highest level of protection.
You should consider factors such as your budget, the level of protection you need, and any specific requirements you may have (e.g. for business use or a high-performance vehicle). You can use the comparison tool to compare quotes from multiple providers and find the best deal for you.
The cost of car insurance can be affected by various factors, including your age, driving experience, occupation, location, the make and model of your vehicle, and your claims history.
Yes, you can change your car insurance provider at any time. However, you should check the terms and conditions of your current policy to ensure that you won't be charged any fees for cancelling early.
If you are involved in an accident, you should exchange details with the other driver(s) involved and take photos of the damage if possible. You should also report the incident to your insurance company as soon as possible, even if you don't intend to make a claim.
You can lower your car insurance premiums by increasing your voluntary excess, building up a no-claims bonus, and installing security features such as an immobiliser or tracker. You should also shop around for the best deal and avoid making unnecessary claims.
Yes, you should inform your insurance company if you modify your car in any way, as this could affect your coverage and premiums.
If you have not already bought your car it may be worth looking to see what insurance group your car is first. The lower the insurance group means you will pay less on your car insurance.
This 2021 graph of the insurance groups and average cost on your annual premium may give you a general idea.
| Car Insurance Group | Average Yearly Cost. |
|---|---|
| 1 to 10 | £500 to £550 |
| 11 to 20 | £550 - £600 |
| 21 to 30 | £600 - £650 |
| 31 to 40 | £750 - £800 |
| 41 to 50 | £900 - £1000 |
Remember: It's worth noting that the actual cost of car insurance for a young driver who owns their car in the UK can vary significantly based on a range of factors. These include individual circumstances, such as location, no claims discount, driving history, and other relevant considerations. Therefore, it's important to keep in mind that your own personal situation may result in a higher or lower premium. Taking steps to build a safe driving record and comparing insurance quotes from different insurers can help you find the best deal and potentially lower your insurance costs.
Discover the top-selling lowest insurance group cars of 2024. Our list offers a variety of options for those seeking vehicles with low insurance rates.
| Top 10 cheapest cars to insure | The best-selling cars in 2024 allocated to the lowest insurance group (group one), both new and used cars. |
|---|---|
| 1 | CITROEN C1 |
| 2 | FIAT PANDA |
| 3 | FORD KA+ |
| 4 | HYUNDAI i10 PREMIUM |
| 5 | KIA RIO |
| 6 | NISSAN MICRA |
| 7 | SKODA FABIA |
| 8 | VAUXHALL CORSA |
| 9 | VOLKSWAGEN POLO |
| 10 | VOLKSWAGEN UP |
Based on the latest data from the Consumer Intelligence Car Insurance Price index in June 2022, the typical cost of car insurance for 17-25 year-old drivers who own their vehicle in the UK is roughly £1669. This figure highlights the challenge that young drivers face when it comes to finding affordable car insurance, as insurers often view them as high-risk due to their limited driving experience. While this cost may seem steep, it's important for young drivers to prioritize having adequate insurance coverage to protect themselves and others on the road in the event of an accident.
Car insurance can be costly for new drivers, especially those aged 17 to 25. Since they have less experience on the road, they're more susceptible to accidents, making insurers consider them a greater risk. Consequently, premiums for new drivers are generally higher due to the increased likelihood of claims being made and insurers having to pay out.
Remember you can also seperately compare van insurance from a whole range of insurance providers.
Disclaimer: 51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.