Subaru car insurance

The minimum level of cover you’ll need to drive on the road in the UK. These policies cover third parties and their property, but don’t cover your own car. This means if you’re involved in an accident, you won’t be able to claim for any damage done to your Subaru. Third party fire and theft policies give you cover for theft and fire damage, but still won’t pay out for accidents.

Includes everything a third party policy does, but adds in cover for your Subaru too. This means if you’re involved in an accident, you’ll be able to file a claim for damage done to your car. Some fully comprehensive policies come with extras like courtesy car cover or windscreen replacement too, though some will only provide these features for an added fee.

If you’ve made modifications to your Subaru, you’ll need to declare these when you’re comparing quotes, otherwise your policy may be invalid. Some mods, like engine enhancements or spoilers, might push up your insurance prices, as they’re seen to increase your risk of crashing. But some, like immobilisers, that cut your car’s risk of theft can actually bring your prices down.

If you’re driving a performance-focused Subaru like the WRX or BRZ, you might pay more for your insurance than ‘standard’ cars. This is for much the same reasons you might pay more for your cover if your car is modified: insurers might see it as riskier to cover. There are always ways to cut your costs though, and comparing quotes with us is a good start.