Car Insurance

If you drive on Britain’s roads then you are legally obliged to have at least third party car insurance, which will cover repairs to any other vehicle or property that you damage in an accident.

This is not the only type of cover you can buy, though. Comprehensive policies, while more expensive, will also cover you for any damage to your own vehicle – including scratches or other damage caused when your vehicle is parked, for example.

It can be a good idea for anyone with a smart, new car. However, second-hand car drivers may find that third-party cover is a better option – especially if they are considered a high-risk driver.

Drivers viewed as high risk by insurers include young people, as well as those who have had several accidents in the past, but remember that with third party cover you will have to foot the bill of replacing or repairing your car if you do have a crash.

One potential compromise is to pay slightly more than you would for third-party cover for a policy insuring you against third party, fire and theft, as this will also pay out if your car is stolen or destroyed in a fire.

Other factors that will affect the amount you pay for car insurance include your gender – with women paying less than men – and how you use your car. People with 4x4s, for example, can reduce their premiums by agreeing not to take their cars off road, while putting in a high-tech alarm system can also slash the cost.

Young people can also find cheaper insurance by being added to a parent’s policy rather than taking out their own cover, or by opting to take an advanced driving qualification. On the other hand, using your car to commute will increase your premiums, as will working in certain industries such as entertainment or the media.

Here's our pick of some of the car insurance brands and insurance comparison sites.

If you've found yourself a great car insurance deal - contact us.