Car Insurance Information

    Learn about car insurance in the UK - types of cover, what affects premiums, and where to get quotes from FCA-regulated providers

    CarDash is a Car Marketplace

    We do not provide or sell car insurance. This page contains information about UK car insurance to help you understand your options. For quotes, please use FCA-regulated comparison sites like Compare the Market, GoCompare, Confused.com, or MoneySuperMarket, or contact insurers directly.

    UK Car Insurance Guide 2025

    Average comprehensive insurance costs £642 per year (ABI data). Shopping around on comparison sites can help you save up to £350 annually.

    Average Premium 2025

    £642 comprehensive (ABI data)

    Quick Quotes

    Most comparison sites take 5-10 minutes

    FCA Regulated

    All UK insurers must be FCA authorized

    Shop Around

    Comparing can save £350+ per year

    Where to Get Quotes

    FCA-regulated comparison sites that search multiple insurers

    🏪

    Compare the Market

    Leading UK comparison site with meerkat rewards

    4.5
    (125,000 reviews)
    Visit Site
    Meerkat Rewards
    2 for 1 cinema
    Price comparison
    🎵

    GoCompare

    Compare quotes from multiple insurers

    4.3
    (98,000 reviews)
    Visit Site
    Cashback offers
    Easy comparison
    Expert guides
    ❓

    Confused.com

    UK's first comparison site

    4.4
    (110,000 reviews)
    Visit Site
    Rewards programme
    Price tracking
    Renewal alerts
    💷

    MoneySuperMarket

    Compare car insurance and save money

    4.2
    (87,000 reviews)
    Visit Site
    Money saving tips
    Defaqto ratings
    Easy switching

    Important Tips

    • • Try multiple comparison sites - they don't all include the same insurers
    • • Also check insurers directly (Direct Line, Aviva, Admiral don't appear on all sites)
    • • Get quotes 21-28 days before renewal for best prices
    • • Never lie on your application - it can invalidate your insurance

    2025 Average Costs by Age

    Approximate annual premiums for comprehensive cover (varies by location, car, and history)

    Age 17-20
    Risk level: Very High
    £1,900-£3,200+
    per year
    Age 21-25
    Risk level: High
    £1,300-£2,100
    per year
    Age 26-30
    Risk level: Medium
    £750-£1,050
    per year
    Age 31-50
    Risk level: Low
    £520-£730
    per year
    Age 51-70
    Risk level: Low
    £420-£630
    per year
    Age 70+
    Risk level: Medium
    £530-£850
    per year

    New drivers (17-25): Expect to pay £1,300-£3,200+ depending on age, car choice, and location. Consider black box (telematics) insurance which can reduce costs by 20-30% for safe driving.

    Types of Car Insurance

    Comprehensive

    Most Popular

    Full protection including theft, fire, and accidental damage to your own vehicle

    £642/year (2025 average)

    Third party damage coverage
    Fire and theft protection
    Accidental damage to your vehicle
    Windscreen repair/replacement
    Personal accident benefits
    Medical expenses

    Third Party Fire & Theft

    Covers damage to others plus fire and theft of your vehicle (often not much cheaper than comprehensive)

    £570-£620/year typically

    Third party damage coverage
    Fire damage protection
    Theft of your vehicle
    Legal liability coverage
    No cover for your vehicle damage

    Third Party Only

    Basic legal minimum covering damage to other vehicles and property only

    £520-£600/year typically

    Damage to other vehicles
    Damage to property
    Legal liability protection
    No cover for your own vehicle
    No theft or fire cover

    Note: Third party policies are often only £20-50 cheaper than comprehensive, making comprehensive better value in most cases. Always compare before choosing.

    UK Insurance Stats 2025

    £642
    Average comprehensive premium
    ABI data 2025
    £350+
    Potential savings from comparing
    Compare multiple sites
    75%
    Max NCB discount
    After 5+ claim-free years
    21-28
    Days before renewal
    Best time for quotes

    Key Information

    FCA Regulation
    All UK insurers must be FCA authorized and follow conduct rules
    Legal Requirement
    Minimum third party cover required by law to drive on UK roads
    Cooling Off Period
    14-day statutory right to cancel new policies
    Financial Ombudsman
    Free dispute resolution if you have complaints

    Tips for Young Drivers

    Consider Black Box:

    Telematics insurance monitors your driving and can save 20-30% for safe drivers

    Choose Your Car Wisely:

    Groups 1-10 vehicles (like Volkswagen Up, Ford Fiesta 1.0) are cheapest

    Pass Plus Course:

    £150-200 course can reduce premiums by 10-30% with some insurers

    Named Driver:

    Being a named driver on parent's policy builds experience, but you won't get NCB