ComprehensiveStandard car cover
£462
per year
£42
per month
Excess: £250 compulsory
Courtesy car: Included
Multicar discount available
Free, quick comparison
Compare car insurance
Compare comprehensive, third party fire & theft and black box car insurance from leading UK insurers, and find a policy that matches your car, mileage and budget.
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Comprehensive
ComprehensiveDirect cover, no price comparison sites
ComprehensiveComprehensive with optional extras
Quotes sorted by indicative annual premium (low to high)
Prices shown are indicative UK market rates for comparison only. Your actual premium will depend on your vehicle, driving history, location and cover level.
What is car insurance and what does it cover?
Car insurance is a legal requirement for driving on UK roads, providing at least third party cover for damage or injury you cause to others. Comprehensive policies also cover damage to your own car, fire, theft and windscreen damage.
Premiums are calculated from your car's insurance group, your age and driving history, where you live, your annual mileage and how the car is used and stored overnight.
What are the benefits of compare car insurance?
Legal to drive
At minimum, third party cover satisfies the legal requirement to drive on UK roads.
Financial protection
Comprehensive cover protects you from the cost of accidents, fire, theft and vandalism.
Extras that matter
Courtesy cars, legal cover and breakdown assistance can be bundled in for convenience.
What does a car insurance policy include?
Liability cover
Damage or injury caused to other people, vehicles or property.
Own vehicle damage
Repairs or replacement following an accident, on comprehensive policies.
Fire and theft
Cover if your car is stolen or damaged by fire.
Windscreen cover
Repair or replacement of chipped or cracked glass, often with a lower excess.
Courtesy car
A replacement vehicle while yours is being repaired.
No claims discount
A reduction in premium for every claim-free year, protectable for a fee.
How is a car insurance premium calculated?
Insurers price risk using your car's insurance group, your age, occupation, postcode, claims and conviction history, and how many miles you drive each year.
Where the car is kept overnight, whether you have named drivers, and your no claims bonus all move the price up or down significantly.
Black box policies add live driving data — speed, braking and time of day — into the pricing, which can help newer drivers prove they are lower risk.
Do you need comprehensive or third party cover?
Comprehensive cover is now often cheaper than third party fire & theft for many drivers, because insurers see it as attracting more careful policyholders.
Older or lower-value cars may still be cheaper to insure third party only, particularly where repair costs would exceed the car's value.
How to choose a compare car insurance provider
Compare like-for-like cover levels, not just headline price — check the compulsory and voluntary excess, courtesy car provision, and any mileage or curfew restrictions on telematics policies. Read how claims are actually handled before committing.
How to save money on compare car insurance
Increasing your voluntary excess, paying annually rather than monthly, adding an experienced named driver, and fitting a tracker or black box can all reduce your premium. Renewing early rather than auto-renewing often unlocks a lower price too.
Related guides
These guides might help.
How your postcode affects your premium
Why two identical drivers a mile apart can pay very different amounts for cover.
No claims bonus explained
How to protect it, transfer it between insurers, and what it's really worth over time.
Black box insurance: is it worth it?
How telematics policies are scored, and who genuinely saves money using one.
FAQs
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
Written by the Grow Your Business insurance team