1Correct as of October 2024
**Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. The year-round reward is provided by Greggs, and consists of one regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
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The type of car insurance you need depends on the level of cover you want. Here are the 3 main types of car insurance policies:
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You can find cheaper car insurance with these tips:
Make sure your mileage is accurate. If you overestimate you could be paying more than you need to. If you underestimate you risk invalidating your policy. That's because you're only covered for the amount of miles you give when you're getting a quote. The average yearly mileage is around 6,636 miles(2).
If you add an older, more experienced driver to your policy, your car insurance price could drop. That's because this type of driver is seen as low risk by insurers. But if you add someone who's younger and has less experience, your insurance price could go up.
According to our research, 18 days(2) before your insurance runs out is the best time to buy car insurance. But generally, it's cheaper to buy your insurance earlier as it suggests to insurers that you're more careful and organised.
Make sure your job title accurately describes what you do. Some job titles have higher insurance prices than others. Don't change your job title just to get cheaper insurance. You risk invalidating your policy.
If you park in your driveway, your car insurance price is £304 cheaper than if you park on the road outside your house(2). If you haven't got a driveway or garage, there are other ways you can make your car more secure.
It's cheaper to pay for your insurance annually, rather than monthly. This is because insurers charge interest for spreading the costs.
For more practical advice, read our tips on how to get cheap car insurance, or see the cheapest cars to insure.
(2)Based on Confused.com data, Q3 2024."After 2 years of steady quarterly increases, car insurance prices are finally turning around, with drops each quarter since the start of the year. This shift is a welcome change for drivers, but comparison is still your best bet to make further savings.
"The Asociation of Britsh Insurers (ABI) have also reported an ease in claims this quarter."
Your car insurance policy might not cover everything, even if it's comprehensive. So you could consider these upgrades:
This pays for any legal action after an accident. For example, if you have an injury after an accident that wasn't your fault, your legal cover pays to take the other driver to court.
It usually costs around £20-£30 to add it to your car insurance.
With this upgrade, your insurer gives you a temporary courtesy car while yours is being repaired. You should have this until the garage has finished fixing your car.
You might have this already if you've bought comprehensive car insurance.
If your car breaks down, someone can rescue you with breakdown cover. The breakdown company might be able to fix your car at the roadside.
If it can't fix the car, it can arrange for you to be towed home or to a nearby garage. This depends on the type of breakdown cover you have though, so check your policy wording carefully.
If there's a chip or crack in your windscreen, or if it's completely shattered, you can cover the cost of repair or replacement with windscreen cover.
This might be included if you have a comprehensive car insurance policy, so it's worth checking before you upgrade.
If you have a serious injury or die because of a car accident, personal accident cover can help. It pays out if you're off work for a while and you're losing income because of an injury.
It can also pay a lump sum to your family if you die. This might already be included in your policy, but it's best to check how much you're covered for on your policy documents.
Motor excess insurance is a separate policy from your car insurance, designed to cover the excess amount you’d need to pay if you make a claim.
No Claims Bonus (NCB) protection is an optional car insurance add-on that lets you make limited claims without losing your no-claims discount. Without it, claims typically reduce or remove your discount.
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**Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. The year-round reward is provided by Greggs, and consists of one regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
When you get a quote, we’ll estimate the market value of your car based on averages of the make, model, and age. If you want a more accurate idea of your car’s value you can use our free car valuation tool.
When you get quotes through our site, you’ll usually see ‘soft searches’ on your credit report. These are nothing to worry about. They’re only visible to you and don’t affect your credit rating. A ‘soft search’ is usually just used to confirm your identity.
The only time you’ll see a ‘hard’ search is if you choose to pay for your car insurance monthly. This is because the insurer needs to check you can cover the payments of the contract, usually over 12 months.
A no-claims bonus (NCB), or no-claims discount (NCD), is a discount you get from your car insurance company. You get it for each full year you drive without making a claim. The longer you go without making a claim, the bigger your discount becomes, as insurers see you as a lower-risk driver.
On top of these savings, many insurers offer the option to protect your no-claims bonus. This means that even if you do have to make a claim, your NCB remains. You usually have to pay a bit extra for this protection, but it provides peace of mind and potentially saves you money in the future.
NCB is usually only given to the main policy holder and not named drivers. Some insurers may offer named drivers who’ve not made a claim a discount if they choose to take out their own insurance policy. This is sometimes called a named driver no-claims discount.
If you’ve built up a NCB driving a different type of vehicle, such as a motorbike or van, you may be able to transfer this to a car insurance policy. Not all insurers allow it though. Whether you’re transferring an NCB from another vehicle or using an existing one for your car, your new insurance company might ask for proof of your NCB.
You can easily get this from your current or previous insurer.
You're required to tell your insurance company about any accidents even if you decide against making a claim.
1. Collect information
Exchange details with any other drivers involved. Make notes and take pictures as evidence. If the police are involved, get a crime reference number from them.
2. Contact your insurer
Ideally you should contact them within 24 hours of the incident. Check your policy details for any time limits for claims.
3. Provide information
Tell the insurer what happened, describe the damage and supply the images you took.
4. Discuss costs
Find out how much you need to pay for your excess and what your insurer will cover.
5. Complete forms and documents
Your insurer will help you through the process, and provide any forms that need to be completed.
6. Pay your excess
Your claim won't be settled until you pay your agreed excess.
For more information see our guide on how to make a claim.
You might be able to drive someone else’s car if you have a comprehensive car insurance policy. Check your certificate of motor insurance which should tell you whether your policy has the Driving Other Cars (DOC) feature. Not all policies offer it.
Even if you have it, it only entitles you to third-party cover on someone else’s car and should only be used in emergencies. If you want to be fully covered for a short time, consider a temporary car insurance policy, or get yourself added as a named driver.
Yes, you can add named drivers to your car insurance policy. To add another driver, you’ll need their:
Depending on the driver, this might raise or lower your car insurance costs.
It's important to remember that the person who does the bulk of the driving should be listed as the main driver. And any named drivers only use the car occasionally.
In an effort to treat customers fairly, the Financial Conduct Authority (FCA) has created rules that stop insurance companies from penalising loyal customers. This was a practice known as price walking.
The rules state that insurers are required to offer customers who renew their policy a price that's not higher than if they were a new customer buying in the same way. The FCA believes this should save customers £4.2 billion over the next decade.
This doesn't mean that your renewal price is going to be less than last year. A range of factors come into how car insurance prices are calculated, but you shouldn't be penalised by staying with your existing insurer.
But there still might be savings to be had. Even if your price is the same or a bit cheaper than last year, it's always worth shopping around.
Page last reviewed: 18 November 2024
Reviewed by: Rhydian Jones
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