Looking for car insurance?

 

Because we’ve got access to leading insurance companies, we can help you get exactly that. Your car is often the second most valuable thing you own and driving opens you up to the risk of accident and injury. It is therefore really important to make sure you’re financially covered with an appropriate motor insurance policy if you need to repair your own car, replace it if it is stolen, or if you incur liability to other people following an accident and claim on your car insurance.

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Come to us to find the right policy quickly and easily. We offer independent, tailored advice and help that's not available when you simply fill in an online form and click "Compare" on a comparison website. We also help you if you need to make a claim - help you will not get if you go directly to an insurer through a comparison website.

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Talk to us whether you are looking for a comprehensive, third-party fire and theft or third-party-only policy. If you're not sure what you need, we will help you decide by taking the time to listen to your circumstances.

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We’ll help you consider the factors that can affect what policy you need including

 

What you use your car for - pleasure only or also for commuting or business use

European use - you will need a policy that will give enough cover for your requirements

Mileage - discounts are available for restricted annual mileage

Breakdown - you may consider this instead of joining a motoring organization

Legal Expenses - for the recovery of uninsured losses

Courtesy cars - you may need a car while your car is being repaired

No claims discount protection - keep your no claims discount even if you have a fault accident

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What is car insurance?

 

Car Insurance is a legal requirement. It gives you financial protection in the event of an accident. Some types also cover claims arising from injuries to other people.

Choose from comprehensive or third-party, fire and theft insurance, or third-party only.

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Comprehensive cover

Sometimes called “fully comprehensive” or shortened to “fully comp”.

Main features: Covers you, your car, your passengers, and property, as well as any third parties involved in an accident. Also protects your car against vandalism and theft.

Suitable for: Most drivers. Three-quarters of UK drivers choose comprehensive cover because it offers the most complete protection. Some comprehensive policies will allow you to drive other cars, but not all.

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Third-party, fire, and theft car insurance

Sometimes shortened to TPFT.

Main features: Covers third parties involved in an accident, but also provides protection for your car against theft and damage caused by fire. It will not pay out to cover the damage to your vehicle after an accident or act of vandalism.

Suitable for: Those looking for a cheaper policy, although fully comprehensive insurance can still sometimes cost less.

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Third-party

Main features: This is the most basic level of car insurance and covers liability for injury to others and any damage to third-party property only. This level of cover is the minimum legal requirement for motorists in the UK.

Suitable for: Drivers who drive infrequently, or those looking for the cheapest possible cover. Not all insurers offer this type of policy. It is not always the cheapest.

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Insurance groups and price

 

Each car is assigned a car insurance group by the Group Rating Panel, which is made up of members of the Association of British Insurers (ABI) and Lloyd's Market Association (LMA). There are 50 groups. Group 1 is the cheapest to insure, and Group 50 is the most expensive.

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Cars are assigned a group based on several factors including:

• Repair costs and times

• The car's performance, e.g. acceleration and top speed

• Safety features

• New car value

• Car security

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Examples

• Group 1: Vauxhall Corsa Hatchback 1.0ltr

• Group 50: Range Rover Sport 5.0ltr V8

 

If you want to keep the cost of your insurance as low as possible, look for cars in the lower insurance groups. You can find out which group your car is in on Parker's website.

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Insurance Optional extras

 

Many car insurance providers offer extra cover options, also called add-ons. These come at an additional cost to your main premium, but they could give you valuable protection if you use them.

 

Common add-ons include:

• Breakdown cover - This will provide roadside assistance should your car break down. Have a look at the levels of breakdown we offer.

• Legal cover - This covers expenses if you have to take legal action after an accident. Here is more on how legal cover will protect you.

• Key cover - This will cover the replacement of your car keys if they are lost or stolen, which can cost over £200. It can also include the cost of locksmith charges and new locks. Your home insurance may have this included, so it's worth checking your home insurance policy documents.

• Windscreen protection - Protects against the cost of repairing or replacing your windscreen, and rear, or side windows if they are chipped or broken.

• Courtesy car - Offers the use of an alternative vehicle when your car is stolen or off the road following an accident. Check each policy first as some insurers will not provide a car if your vehicle is written off.

• No claims bonus protection - Varying on the insurer, this cover allows the policyholder to make a claim – usually once during the year insured – without the no claims discount being affected.

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