UK drivers need appropriate motor insurance for public roads. Compare policies using the cover you actually need, not just the premium or a list of optional extras.
Check the provider
Check the insurer or broker and its permissions using the FCA’s official services. Authorisation is not a quality rating or a promise that a particular policy meets your needs. Read the schedule, policy wording and insurance product information document before buying.
Compare cover and excesses
Windscreen, other glass, personal belongings, replacement keys and child-seat cover vary between policies. Check whether each benefit is included, its limit and excess, and any conditions. Do not assume that comprehensive cover includes every extra.
Approved-repairer conditions also differ. Using another repairer may change the excess, available benefits or amount reimbursed. Ask before arranging work rather than assuming unrestricted choice.
Make sure the vehicle and use are correct
Tell the insurer accurately about the main driver, mileage, modifications and whether you need commuting or business use. A car policy is not a substitute for motorcycle cover. Check any specialist requirements directly with the provider.
Look closely at optional benefits
A courtesy car may be subject to availability, approved repairs and exclusions for theft or a total loss. Overseas cover may differ from domestic cover and have time limits. Accommodation after an accident, breakdown assistance and legal expenses are not universal benefits.
Compare the extra cost with what is already provided elsewhere. Ask for written clarification if a benefit matters to you, and check cancellation charges and the total cost of monthly payments.
Use like-for-like quotes
Keep the same information, cover level and excess when comparing. A higher voluntary excess can lower the premium but raises what you must pay on a claim. Choose an amount you could realistically afford. Recheck all the information before accepting the quote.
