Save up to


On Your Car Insurance




We have partnered with Quotezone to allow you to search over 110 trusted UK insurance companies to help you the right cover for you.
Customers save on average £319 on their insurance premiums

151% of consumers could save £319.03 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 March 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier

What Levels of Cover are There?

There are three main choices of car insurance to choose from. We can help you make the right decision with our helpful guides.

Third Party, Fire & Theft

This covers your vehicle against fire damage and theft. It also ensures that other people, their vehicles, and property are covered.

You can read more about third party, fire, and theft insurance here.

Fully Comprehensive

This level of insurance provides the most cover possible. It includes cover against, damage to your car, fire damage, theft, and any repair costs. Along with this your insurance will also cover any damage to someone else’s car or property.

You can read more about fully comprehensive insurance here.

Third Party

This is the most basic level of cover; it is the legal minimum amount of cover that can be offered. It only covers other people, their property, or their vehicles.

You can read more about Third Party Insurance here.

How it works

In just a few moments you can compare dozens of quotes to pick the right cover for you and your vehicle. Simply tell us a little bit about who you are, what car you are looking to insure and the type of cover you need and we'll do the rest.

1. Tell us about yourself

We need a little bit of information about you to start your quote. This will include your name and address and information about your driving history including any recent convictions or incidents.

2. Tell us about your car

Tell us about the car you want to insure, whether you own it already or it's a car you're looking to buy or lease.

3. Tell us what you need

The level of cover you require, ie 3rd party fire and theft, 3rd party or fully comprehensive and any other insurance requirements such as no claims bonus protection, car key protection, windscreen protection etc.

How can I get cheaper car insurance?

There are some simple steps you can take to reduce the cost of your insurance. Take as many of the following steps as possible to reduce the cost of your quote.


Never Auto-Renew

When your insurance policy reaches its end it will likely be automatically renewed by your existing provider when your polcicy ends. You should always check that your renewal quote offers the best value for money, in most inctances you can make siginificant savings compared to your renewal quote by comparing quotes with VU Compare.


Pay Annually

In most instances paying your insurance in a lump sum can avoid interest charges that are applied by paying monthly. All though it can feel like a siginificant outlay up front, it is almost always cheaper in the long run.



A policy with telematics comes with a "black box" or app to monitor your driving habits. This can be an excellent opportunity to demonstrate sensible driving habits and can be an opportunity for younger drivers to earn lower insurance premiums.


No Modifications

As modification work is done outside the factory the quality of the modification an/or work to install it can not be guarnateed. Therefore having performance enhancing, or body work modifications will typically push up the price of your insurance policy. Secondly any changes to audio and techinal equipment can add signiicant cost to any replacements or repairs.


You and your car

Spend a bit of time to make sure you correctly estimate your annual milage. Being accurate with the milage you enter ensures that you're not paying for miles you aren't driving.


Extra Security

It is possible to reduce the value of your car insurance premium by adding additional security. Adding a Thatcham-approved alarm or immobiliser can attract a discount with some insurance providers.


There are a whole host of factors that go into deciding how much an individual’s car insurance should cost and no two quotes are the same.

In general, the cost of car insurance tends to fall as you get older. Younger drivers typically pay significantly higher premiums than people aged 30 or more. Those over 50 tend to pay even less still. This is because younger and less experienced drivers have a higher propensity to claim than older drivers.

In general, the cost of car insurance tends to fall as you get older. Younger drivers typically pay significantly higher premiums than people aged 30 or more. Those over 50 tend to pay even less still. This is because younger and less experienced drivers have a higher propensity to claim than older drivers.

Unfortunately, some areas of the country suffer from higher rates of theft and vandalism than others, particularly in larger cities. This increases the risk of something happening to your can and as a result your premiums could be higher.

The more you drive, the more likely you are to make a claim against your insurance. As a result, your annual milage has a direct affect on your insurance premium cost.

Where you keep your vehicle has a large influence on your insurance premium. Vehicles that are securely stored overnight and are not easily accessed are siginificantly less likely to suffer incidents and therefore less likely to be involved in an insurance claim.

There are two primary facets to how your personal history can affect the price of your insurance renewal quote. Firstly, any driving related convictions you currently have will increase the cost of your renewal quote. Secondly your recent claims history has a siginificant impact on your insurance premium cost, if your recent past has numerous claims in it any potential insurer will assume that pattern of behaviour will continue.

Adding addditonal drivers to your policy increases the your insurance premium, but this is increased significantly where the additonal driver is under 25 years of age. Insurance companies work on the premise that with additional drivers on a policy, the vehicle is more likely to be in use more often which increases the likelihood of a claim. This is again, further maginified if the driver is under 25.

The amount your are willing to pay in the event of a claim tells and insurance company that you are going to be serious in the claims you submit. Lower voluntary excesses tends to signal that a person is more likely to submit a claim for smaller or more frivilous amounts.

Enter your reg to get your free valuation!

Powered by
Rated 'Excellent'

In the UK car insurance is a legal requirement for anyone who drives a car. Unless your car is declared SORN or in the process of being bought or sold it is a legal requirement to have the vehicle insured. Fines range from £300 and 6 points on your license to unlimited fines and disqulaification from driving if your conviction winds up in court. With Moden ANPR cameras police can easily spot a vehicle being driven without insurance.

Excess payments refer to the amount of money you will be putting towards the cost of a claim. There are two types of excess payments, compulsory and voluntary. Compulsory excess is the amount the insurance company mandates you need to contribute to the cost of any claim. The voluntary excess is the amount that you are willing to contribute over and above the compuslory excess. Volunteering a higher excess tends to indicate that you wont be willing to make smaller or frivilous claims so insurance companies respond in kind by offering lower premiums.

Typically it is cheaper to pay for your car insurance annually. Paying a lump sum will avoid interest and credit charges insurance companies apply to monthly payments. Monthly payments will allow you spread the cost of you insurance more easily but you will end up paying a little more as a result.

This can vary from policy to policy, even if its a full comprehensive car insurance policy. This used to be inculded as standard on most policies but this is no longer the case, often it is something that you have to pay extra for so take extra care when deciding on your policy. We recommend adding a named driver if someone is going to be driving the vehicle consistently.

In most cases you write you can write the price you paid to acquire the vehicle in the first place. If you happen to write the car off however then your insurance provider will only payout the current market value of thee the vehicle and not hte declared price.

This almost always depends on the insurance provider but there is a process that you will have to follow in order to start your claim. Firstly you will need to inform the police so you can be provided with a crime reference number to give to your insurer. Then you will have to follow your individual insurer's claim procedures which you will be able to find on there website. Usually this will involce contacting your insurer over the telephone but in most instances nowadays you can submit a claim online.

A no-claims bonus is earned over a period of years, the longer you go without making a claim then the larger your no-claims bonus can be. It is applied as a discount to your policy quote for not making any claims over the period of the bonus, this shows insurers that you are less likely to make a claim. It is often worth not making certain low value claims in order to protect your no-claims discount.