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What do I need to get a car insurance quote?

To receive a car insurance estimate, we require information regarding:

Your vehicle and its usage: You’ll need to provide either the registration number or details such as the make, model, and age of your car. Additionally, inform us whether the vehicle is used for personal or business purposes, and estimate your annual mileage.
Personal particulars: This includes your full name, age, residential address, occupation, and the industry you are employed in. Similar details are necessary for any additional drivers you wish to include in the policy.
Driving history and license details: Share details regarding any applicable no-claims discount (NCD) and your driving record. Providing your driving license number may potentially result in reduced premiums with certain insurance providers.
What is car insurance and why do I need it?

Having car insurance is mandatory by law. It serves to provide financial security for others in case your vehicle is engaged in an accident resulting in property damage, vehicle damage, or personal injury to another individual. Third-party coverage represents the basic legal necessity.

For comprehensive coverage against scenarios like accidents, theft, vandalism, or fire damage to your vehicle, you’ll require a higher tier of insurance.

Failure to have car insurance can lead to a minimum fine of £300 and six penalty points on your license upon detection. In severe cases, appearing in court could result in an unlimited fine and potential disqualification from driving.

What type of car insurance do I need?

The type of car insurance you need depends on the level of cover you want.

Comprehensive

Comprehensive insurance policies provide optimal protection for your vehicle, often at the most economical rates for numerous drivers. It’s advisable to compare quotes from different insurers, considering their extent of coverage, to determine if comprehensive insurance aligns with your needs and preferences.

Average price: £924/year[3]

Third-party, fire and theft

This type of insurance may compensate you in case your vehicle is stolen or sustains damage due to fire. While it safeguards you against expenses arising from damage or injury to third parties, it does not provide coverage for the repair costs of your own vehicle following an accident.

Average price: £1,544/year[4]

Third-party only

Third-party coverage represents the essential minimum for legal driving on UK roads. It provides protection for injuries or damages inflicted upon other individuals and their property. However, it does not extend coverage to you or your vehicle.

Average price: £2,116/year[5]

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