Cheap Car Insurance Uk Compare - The guidelines on this page are based on our own analysis and are intended to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; do your own due diligence before entering into any contract. Read our full disclosure here.
Looking for relatively cheap car insurance but still want decent customer service and features? Check out the information on this page to find out how some of the cheaper UK car insurance brands compare in terms of ratings and reviews, as well as some great ways to save.
Cheap Car Insurance Uk Compare
Every year it compares dozens of the best cheap car insurance brands in the UK on prices, ratings and reviews, so you can easily compare the best car insurance companies and get the cheapest price for you. While no insurer is the cheapest or best for everyone, some companies stand out with a combination of good customer reviews, features and cheap deals.
How To Get Cheap Car Insurance: Ten Tips To Find The Best Quotes
We found that AXA, Direct Line and Aviva were the three big national insurers that offered the cheapest car insurance deals on average in our tests, albeit with some of their 'cheaper' brands. However, your rates will vary depending on where you live, the car you drive, your driving history and other factors. Prices can even change from week to week. Here were the cheapest offers for our driver this week for comprehensive insurance.
Comparing car insurance companies is the best way to find cheap deals. Rates can vary from company to company depending on how the insurance company looks at your age, car make and model, driving history, zip code and other factors. This means that a car insurance company that is cheap for your friend or neighbor may not be cheap for you. See our methodology section to learn about the driver and car at our test price above.
Difficult pricing and a smaller range of service providers will particularly affect young drivers. Aviva (General Accident) and Admiral (LittleBox) were the cheapest policies for young drivers in our tests (while AXA was reluctant to even offer deals to young drivers in our tests). Unsurprisingly, most of the cheapest deals were for telecom plans that track driving style.
We found that the direct route was the cheapest for drivers with speeding convictions. Drivers with speeding convictions are considered more dangerous and are a higher insurance risk, so rates typically increase after a conviction. But some insurance companies raise rates more than others.
Cheap Car Insurance Quotes In The West Midlands
For those with serious drink and drug driving convictions, our research has shown that Admiral is a major insurance company that is likely to provide the best deals. Fewer insurers are willing to insure drivers after this type of conviction. However, other large companies can provide coverage to convicted drivers who use a specialist broker who can work on their behalf.
Accidents can increase car insurance rates by 20% or more, but our research has shown that Admiral tends to increase rates the least after an accident. Some Aviva and Direct Line brands were also good for cheaper car insurance after an accident.
In addition to price, some car insurance companies are characterized by a combination of good customer reviews and features. compared the ratings of dozens of UK car insurance brands (most of which are provided by the top 10 insurers) and ranked them based on a combination of independent expert and customer ratings. (Fairer Finance's customer rating is based on surveys with real customers to learn about complaint handling, trust in the company, etc.) Here's what we found.
When comparing car insurance companies, whether you're looking for the cheapest deals or companies with reliable customer service, it helps to read about the pros and cons, price and feature comparisons, and what customers are saying. Our team at have written detailed car insurance reviews combining independent customer reviews from sites like Trustpilot, featuring ratings and opinions from our authors. To compare car insurance reviews from dozens of brands, check out the full list of ' Car Insurance Reviews.
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We've compiled some of these reviews below to give you a quick overview to help you decide which one is best for you.
Consider if you would pay a little more for a company with great customer reviews and a solid feature.
Quick Takeaway: LV= is usually an average price, so those looking for the cheapest premium will likely find a better plan elsewhere. But the LV is a solid choice for those looking for great customer reviews and good features who don't mind paying a little more. If you're happy to pay for wider cover, LV= offers extras with comprehensive cover such as personal injury, uninsured motorist promise (you don't overpay or lose NCD) and bad fuel cover. Get a quote directly from LV here.
Consider it if you don't want a brand on comparison sites and value a good customer experience and features.
Compare Car Insurance Companies For Young Drivers
Direct Line Group sells Direct Line motor insurance directly to customers - you won't find the 'Direct Line' brand on comparison sites (but you will find The Direct Line Group's Churchill, Darwin and Privilege motor insurance brands on comparison sites). About two-thirds of the group's sales in 2020 were through the Direct Line brand, and the other third in 2020 were through these "budget" brands in the PCW channel. The main 'Direct Line' brand offers slightly better features such as a company car in case of theft or total loss (not just accident repairs) as well as cheaper administration and cancellation fees compared to the PCW brands.
Direct Line offers some unique propositions such as protecting your no-fault claim discount. Get a quote on the Direct Line website here.
Quick Takeaway: Direct Line has made a name for itself as an insurer that isn't available on comparison sites, but if you want to save more money on premiums, their Churchill, Darwin or Privilege brands can offer even lower rates through price comparison. website.
Aviva is the UK's leading car insurance company (UK's 4th largest) and you may recognize some of their 'budget' brands from comparison sites. Depending on where you live, you may see Quotemehappy.com or their General Accident brands with some of the cheapest prices offered on PCW.
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Aviva won General Insurer of the Year at the UK Insurance Awards 2020. Customer satisfaction is high, with over 50% of private lines having direct customers who have more than one general insurance product with Aviva. Aviva has invested heavily in digital claims management and administration, enabling UK car customers to initiate and complete their claims online without contacting a dealer. Customers seem to be happy with online claim handling, with 80% now booking their car repairs online.
In the UK, Aviva insured 2.5 million car customers and settled 99.4% of motor insurance claims in 2019. Aviva has one of the highest customer ratings on Trustpilot of any company in the top ten.
Quick Takeaway: Depending on where you live, Aviva can be quite competitive. However, if you have had an accident in the last 5 years, you may get a lower rate from Aviva than you would find elsewhere. Get a quote direct from Aviva here.
Diamond is another brand of the Admiral Group. It is intended for women and confident drivers. As with Elephant (admiral's other brand, which will be discussed later), there is no provision for accommodation or onward travel after an accident (although passengers will be evacuated, if unsafe, to the nearest local facility), and cancellation fees are higher .
The Cheapest Home Insurance Companies & Quotes For 2023
Quick Take: Diamond isn't just for women though, as they're offering up to £300 for a handbag cover (if yours is stolen from a locked car)! Diamond will provide you with a policy underwritten by the UK's largest insurer and prices are usually competitive if you're a safe driver - usually on par with Admiral quotes, unsurprisingly. Compare quotes through our QuoteZone partner or get a quote directly from Diamond here.
Consider this if you live in a lower risk area and want a cheaper option from Direct Line Group.
Churchill is often the cheapest deal on one of the main comparison sites (Moneysupermarket), so although their customer service and ratings may be slightly lower than the highest rated brand on our list (LV=), Churchill can be a solid choice. for those who prioritize price. Churchill policies can be purchased directly from the company or through many comparison sites (but not yet through our partner, QuoteZone). Churchill is one of Direct Line Group's "budget" brands (along with Privilege). Direct Line is the UK's third largest motor insurer and 28.1% of its premiums are sold under the Churchill and Privilege brands through the online price comparison channel.
Quick Takeaway: Churchill usually has very competitive rates for the typical driver with no significant marks on their record, and customers report pretty good service. However, Churchill did not cite our tests
Ways To Find Good And Cheap Car Insurance
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