Benefits of comparing car insurance via Compare Geek:
- Customers could save money
- Compare the offers of over 120+ insurance companies
See offers from over 120+ different insurers, including:
What coverage do you need
Comprehensive
Third Party, Theft & Fire
Thrid Party Only
Comprehensive
Key Features
- Highest level of protection available.
- Often the most expensive level of insurance.
- Check the Damage Insurance if you have been involved in an accident, fire damage or vehicle theft.
What is Full Comprehensive Insurance?
Full Comprehensive Insurance provides the highest available level of protection. You will be covered if your car is damaged or written off, if your vehicle is stolen or caught fire, as well as any medical expenses.
Comprehensive policies often differ depending on the insurer, so always check what is covered before buying.
Who is it for?
For most drivers. Fully comprehensive policies almost always offer the best value for money.
Third Party, Theft & Fire
What is TPTF(Third party fire and theft) insurance
A third party, fire and theft (TPFT) policy will cover the cost of damage to another person, their vehicle or property if you are found guilty of causing the damage.
If you are involved in an incident and are found liable, you will not be covered for any repairs or medical bills. However, you will be covered against theft, damage caused by attempted theft and fire damage to your car.
Who is it for?
Not many people. Third party, fire and theft insurance is actually more expensive than full insurance, but offers less protection
Key features
- The insurance covers damage to another person, their property or vehicle.
- You will be covered if your car is stolen or at risk of fire.
- Damage to your car and yourself is not covered if you are found at fault.
Thrid Party Only
What is Third Party (Basic) Insurance?
Third Party Only Car Insurance (TPO) is required to legally drive a car in the UK. Your insurer will pay if you damage the vehicle or someone else’s property, but will not cover any repairs you need to do on your own vehicle.
For whom?
For the thrifty. Third party-only insurance doesn’t offer much, but will often be the cheapest form of insurance available – however, this is not always the case and can prove false savings.
Key Features
- The minimum legal requirement to drive a car in the UK.
- It covers the vehicle or property of others if you damage them in an accident.
- Usually the cheapest insurance available for drivers.
How much does car insurance cost?
The price of insurance depends on many factors, i.e. the type of insurance, discounts for claim-free driving, as well as the age and profile of the driver.
1Average annual cost, based on offers delivered to customers from January to August 2021.
How does the selected scope of the policy affect the insurance premium?
It may seem contradictory, but full comprehensive car insurance is usually the cheapest despite having the greatest coverage.
We found that full coverage costs on average £ 974 per year , while Third Party, Fire & Theft is on average £ 1,413 , and only Third Party up to £ 2,545 .
The main reason for this is that drivers with only a third party car insurance policy are more prone to accidents.
Car insurance - the cheapest ways to insure a car in the UK
There are certain things you can do to increase your chances of getting cheaper deals, no matter what car you drive and what your profile as a driver looks like.
Pay for the year in advance
Payment for the year in advance it comes out cheaper because you do not conclude a loan agreement and you do not pay interest on the loan
Improve your security
Alarm like the steering lock, they will lower your premiums, just like parking on private property
Increase your voluntary excess
Higher excess may mean a lower premium. However, don’t make it too high in case you need to make a claim!
Build no claim discounts
If you don’t make a claim you will get discounts which will lower your premium.
Ride fewer miles
If you drive less miles in a year then your insurance premium will be reduced
Get a telematics policy
By installing the black box, or a telematics device can help you reduce your premium
You can also compare
Home Insurance
- Building insurance
- Accidental damage
- Contents insurance
- Personal possessions cover
Pet Insurance
- Accidents and injuries
- Unexpected illnesses
- Kennel or cattery fees
- Liability cover
Are you wondering how to insure your car in United Kingdom?
If you care about an attractive price offer that meets your requirements, we can help you find it As part of the cooperation, you will be able to search for car insurance, providing legally obligatory protection against civil liability for any damage caused while driving.
Why is it worth comparing the offers of many insurance companies?
The answer is simple – to save. This is important because overpaying for third party liability is pointless.
if you want to find car insurance in the UK, we invite you to use the comparison service on our website You are able to compare online offers without leaving your home. Within a few minutes, you get access to the list of the most favorable policies for your car in terms of price, thanks to which you can buy insurance on the terms you choose.
What car to buy to pay less for insurance
