Car Insurance Advice
Simpler, clearer, faster

Welcome to our Car Insurance advice website designed specifically to help you with everything you need to know and understand to help you gain a clearer understanding of what car insurance actually is, and how you can get the best insurance policy for you.

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A careful choice of the words

what you choose to describe your job could save as much as £340 off your car insurance premiums.   Many insurers place a heavy emphasis on drivers’ professions when it comes to quotes because certain jobs, such as a window cleaner, may be judged to be more accident-prone than others.

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Ditch your add-ons

Insurers often offer customers add-ons, such as breakdown cover.   However, customers may not need these extra services, or may already have them as part of a packaged current account, such as Nationwide’s FlexPlus account, so it’s worth double checking.

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is my car insured?

Compared quotes from 12 insurers in a mystery shopper experiment for a low-risk driver of a Ford Fiesta, north-east England, and a high-risk driver of an expensive Audi.   For the Ford driver, the cheapest quote was from Admiral, for drivers under the age of 30.

The car insurance directory is here to help you save time to find the contact information you require for your insurance company. If you need any help or want to add a company please contact our customer service team on our contact page.

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What is car insurance?

Car Insurance is a legal requirement.  As a safe and responsible driver you know that having insurance for your car is a mandatory requirement, but, because of the terminology used by brokers or being a new driver yourself, you may not be really sure as to what exactly it is and why it is a lawful requirement for you to have it.

Everything down to the kind of car you drive, your history to your earnings, there are many different things you must take into account before you even think about purchasing an insurance policy.

All car owners are required to make sure they insure their vehicle’s. Simply put, this adds a financial cover if you have an accident/crash/event which causes injury or damage to another person, vehicle, property or pet.

Depending on the insurance policy you purchased, this may or may not include repair costs for damage to your own vehicle as a result of the accident, theft or unforeseen damage for an unknown reason. The only vehicle’s that have no need to be insured are the ones that are registered as off-road with a SORN ( Statutory Off Road Notice).

Purchasing Car Insurance means buying a policy. The first step to purchasing a policy is filling in a form and making sure that you answer all the questions as best and as honestly as you can. Failure to do so can void your policy and result in the provider of your insurance refusing to pay out any money if you claim and even withdrawing your policy from you.

The questions you need to complete will be spread throughout the application, all of which help insurance providers determine how much you need to pay to cover yourself, i.e. your insurance premium.

When purchasing your cover it is important to remember that there are three main policies types to choose from:

  • TPO – It covers liability for injury to others, whilst towing a caravan or trailer and damage to third-party property. This policy is the minimum legally required level of coverage for motorists in the UK.
  • TPF&T – This policy includes all third-party insurance coverage, but also includes theft, damage to your vehicle during theft and fire damage.
  • Comprehensive – The most wide-ranging coverage that includes everything covered by third-party, fire and theft along with medical expenses, personal effects, accidental damage, windscreen coverage and loss of or damage to your vehicle.

Once you’ve received your papers it’s important to update your insurer with any changes in your circumstances to ensure your policy is valid. i.e. your vehicle is stolen, you should contact the insurance provider straight away, even if you are not claiming.

Having no Vehicle insurance when driving is illegal, with a max fine of £5,000, 6 to 8 points on your licence and possibly you being disqualified from driving.  There are three different car insurance policy types:

  • Comprehensive
  • Third party, fire and theft
  • Third party only

It’s worth knowing exactly what each level or cover provides you to make sure you and your vehicle are protected in case you are involved in an accident.

Comprehensive car insurance

Comprehensive is the highest level and protects you from damage to your car, even when the accident is your fault. As with all policies, terms and conditions are different which means that one comprehensive package will be different from other packages.

Third party, fire and theft insurance

Third party, fire and theft cover the costs of repairing your own vehicle, or if your car is damaged in a fire or stolen.

Third party only insurance

This policy is the minimum legal requirement, which covers the cost for damage to other people’s property or pays compensation for injuries people or pets incur, in an accident deemed to be your fault.

It does not cover repairs to your vehicle and will no cover your vehicle if it is stolen or damaged by fire. So you will have to pay for the repairs your self.

Other insurance policy types

Insurance companies have other insurance types also to meet vehicle owners individual needs. There are an array of different types:

  • Multicar insurance – Multiple vehicles registered with the same address buy insurance with one provider.
  • Classic car insurance – Vintage and cherished vehicles.
  • Temporary car insurance – Short term comprehensive insurance.
  • Test-drive insurance – Short term cover providing you with the protection while you take a test drive.

Making a claim will be hard if you’re in an accident with a driver who is uninsured and you’re not at fault.

What to do if you’re involved in an accident

If you’re in a car accident you need to take note of the list below at the scene:

  • The other person’s vehicle make and model, and registration number.
  • The person’s name and address.
  • The damage to the person’s vehicle.
  • Where the accident took place, including road markings, weather conditions, if their car had their lights on and indicators.
  • The person’s contact details and statements from anyone around who witnessed the incident and try and get their contact information to give to your insurer.

Take loads pictures of the scene from every angle and also send these to your insurer.

You do not need to call the police unless the vehicles are causing an obstruction, someone is hurt, or if you’ve hit someones home/shop etc, such as a fence. Call the police if the other driver doesn’t have any car insurance because you will need to acquire a accident report so you can claim through the MIB (Motor Insurers’ Bureau).

What to do if you’re in an accident with an uninsured driver

If you purchased fully comprehensive insurance, you will be able to claim from your insurer, although it may affect your no claims bonus, unless it includes an uninsured driver promise. Or, you can claim via the MIB and they might compensate your insurer for your claim – if they do your insurer will reinstate your no claims discount and cancel any premium increase.

Uninsured driver promise

This means if you’re in an accident with an uninsured driver, your excess will be refunded and you will keep your no claims discount.

Putting a new named driver on your car insurance policy is simple and can even save you some cash.

When you get a new car insurance policy, you have an extra option of adding more named drivers to your policy. You need to have a good think about this and decide carefully – below you will see a guide on how to add a new driver to your policy, how the whole procedure works, and in what way it changes your policy for you.

Placing new a named driver on your car insurance policy does not mean you will pay more for your insurance, but on the upside, it might help you achieve a lower premium rate.

What is a named driver?

This is a new driver that you wish to put on your car insurance policy, someone you give complete permission to drive in your car. Meaning if the new driver has an accident he/she will be fully insured and covered if the car gets damaged. The named driver receives the exact amount of insurance cover as the main driver does, but if the second named driver has an accident while driving, your no claims discount will be affected.

Who can be added as a named driver?

Anyone you decide can be named as a second driver. You might be adding your son or daughter, your husband or wife or even the mother in law (hmm nope). Then again partners should put each other as named drivers on both their insurance policies so they can drive both vehicles.

How much does adding a named driver cost?

You may be charged an admin fee if you place a new named driver on your policy mid-year. Adding a named driver can also affect your annual premium this is because of the new risk profile that comes with the new driver. An experienced driver could lower your premium but a young driver will usually increase your premium.

Information about the named driver

Adding a someone new to your policy will require you to provide some information about them. These details are usually just the basics like their name, address, date of birth etc. Sometimes the insurance provider will need you to add their occupation and any driving offences/convictions they have incurred also as if they have had any of these in the past it might increase your premiums.

How often can a named driver drive the car?

The new named driver would normally only be driving occasionally, not regularly as they have been added and this is not there vehicle. If they are driving the car more than the main driver then this really should be their insurance policy and this could be seen as fronting which is fraud.

What is car insurance excess?

Paying some money towards any claim you make. Even if you’re looking at TPFT (Third Party Fire and Theft) or Comprehensive, you still have to pay excess towards the claim. Excess means you have agreed to be responsible for some of the insurance risk, as you are willing to help pay some of the cost towards any claims you make.

This excess is mandatory, but you can also opt to give more money, which is a voluntary excess which helps lower your premium.

What is total excess?

A combined amount of compulsory and voluntary excess that you will have to pay for a claim made within your current policy period. This varies between different insurance providers and which policy you chose to take with them. If your total excess for your insurance is too much and you cannot afford it, you can try and lower your voluntary excess, but doing this can increase your premium overall.

What is compulsory excess?

Compulsory excess is an amount you have to pay when you make a claim regardless of the damage/situation. It is mandatory and the amount is set by your insurance providers. You may notice that young or newer drivers have a much higher compulsory excess as they pose a much higher risk on the road.

If your insurance provider deals with a claim for you, they can claim your excess back from the opposing insurance company. But with a claim or accident where it is found to be your fault, your total excess isn’t refundable to you.

What is voluntary excess?

This is the amount you decide to pay when you make a claim. It is not the same as compulsory excess as you decide how much you can pay, if you increase this amount your overall premium can reduce.

You need to remember that you have to pay both voluntary and compulsory excess or your insurer will not be able to deal with your claim so make sure you agree to an amount that you can afford.

Whether or not you’ll be able to claim back your voluntary excess from your insurance company will depend on whether or not the accident was your fault.

How much excess should I pay for car insurance?

You should only agree to a amount you can logically afford. Do not add loads of voluntary excess to your claim just to make your premium lower and then not be able to afford to pay it after an accident, voluntary means a amount you agree to add towards a claim, not that you can pay it if you want to.

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