Let's compare car insurance

Compare car insurance

Everyone needs car insurance – find the best deal for you with our car insurance comparison tool

Our compare service:

  • Get an impartial car insurance quote from leading suppliers
  • Enter a few simple details to get an estimate
  • Find the best car insurance quote for you

COMPARE CAR INSURANCE QUOTES

What you’ll need for a car insurance quote
To use our car insurance comparison tool, you’ll need to provide some basic information, such as:

  • General details about your car and its value
  • Personal details and number of drivers
  • How much no-claims bonus you’ve accumulated
  • Your average yearly mileage
  • Any security features your car has e.g. alarms or immobilisers
  • Your licence plate number

Why do you need car insurance?

Car insurance is a vital element and legal requirement of using a car in the United Kingdom. It protects you and your vehicle against the financial burden of road accidents and covers you against injuries and damage to other drivers and property.

In accordance with the Road Traffic Act 1988, all drivers require insurance. Driving without insurance is punishable by a fine of up to £5,000 and six to eight points on your licence

How to get cheaper car insurance

Most people want to save money on their car insurance, and while many factors are out of your control while applying for insurance – like your age – there are some actions that can help reduce how much you pay, such as:

  • Choosing a less expensive car
  • Keeping your mileage low
  • Parking your car in a garage rather than on the street
  • Limiting the number of people who use the car
  • Driving safely and avoiding speeding fines
  • Protecting your no claims bonus
  • Installing a security device such as an alarm

Alongside these actions, shopping around for car insurance is another key method of keeping costs down. Premiums can vary greatly, despite your personal circumstances, so using a comparison tool can help you find the best deal.

What is no claims bonus?

No claims bonus can have a dramatic impact on how much you pay for car insurance – but what exactly is it?

No claims bonus (or no claims discount) is accumulated for every day insured drivers don’t make a claim. For each claim-free year, motorists will enjoy a discount on the next year of their car insurance. Accidents that require an insurance claim to be made – even if the accident isn’t your fault – will most likely affect your no claim bonus.

How black box insurance works

Black box policies involve a system that’s installed onto your vehicle to monitor driving ability, which includes speed, acceleration, the time and frequency you drive, and your general care and caution on the road.

Also called ‘telematics’ policies, these kinds of policies are typically better suited to young drivers who may be required to pay more for cover due to age, even if they are careful. Black box policies allow younger drivers to prove to insurers that they are capable drivers and reap the rewards of lower premiums.

WHAT ARE THE DIFFERENT TYPES OF CAR INSURANCE?

There are three main types of car insurance available, which will cover you and your car to varying degrees:

Third party car insurance

Third party car insurance is typically the lowest type of cover required by law:

  • It insures you if you’re involved in an accident and injure a third party or damage third party property
  • Covers the cost of repairing or replacing the other person’s car in case of an accident
  • Doesn’t cover damage to your own car

Third party, fire and theft insurance

This type of insurance is the same as third party, but with extras:

  • Cover if your car is damaged in a fire or stolen
  • Doesn't cover all types of damages or accidents that are your fault
  • The likelihood of theft or accident can affect your premium

Comprehensive car insurance

Comprehensive car insurance is the highest level of cover on the market available to consumers:

  • Insures the cost of your car regardless of blame
  • Some providers allow the use of a courtesy car while yours is being repaired
  • Generally more expensive but offers greater cover

Why giffgaff compare?

At giffgaff we pride ourselves on our transparency. That’s why we do everything we can to take the tricky bits out of finding car insurance quotes. Our information is super simple and easy to understand in order to help you make the right decision.

Our compare service

  • Takes the hassle out of comparing car insurance services
  • Searches 100+ providers
  • Offers clear information to help you make the right choices

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Terms and conditions apply. Insurance products are subject to eligibility criteria. The giffgaff compare service for insurance is provided by Quotezone, a trading style of Seopa Limited, which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number - 313860

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Posts on this site reflect the opinion of the members posting only, and not necessarily giffgaff’s opinions or views. There’s a lot of information here that can help you, however, you must remember that we operate an open forum and sometimes messages that are posted are misleading, deceptive, or inaccurate. If you follow these tips, you do so at your own risk. Always do your research and check the terms.