Find affordable insurance coverage for your car
Looking for cheaper car insurance? Comparing the price of car insurance is simple, free, and could save you hundreds. Just enter your details and answer a few simple questions about your current plan and the Car Comparison Service provided by Seopa will show you a list of deals from dozens of insurance providers to help find the right insurance policy for you.

Car Insurance Benefits
Car Insurance Guide
Car insurance is one of the few insurances that is required by law. If a car is driven on the road it must have car insurance. The only exception is if a car has a Statutory Off-Road Notice. Which means that by law the car cannot be driven on the road, but also does not require insurance.
Types of Car Insurance
Car insurance in the UK comes in three main categories:
- Third party – This is the minimum legal requirement for car insurance. It’s a basic form of insurance that covers the costs of any damage incurred while driving.
- Third party, fire, and theft – Similar to third party insurance, but covers the cost of replacing a car if it’s stolen or damaged in a fire.
- Comprehensive cover – Provides everything as above, but also covers costs for repairing the car belonging to an at-fault driver.
Depending on the insurer and the policy. The driver may be covered when driving other cars, including hired cars. Some policies also allow the policyholder to name other drivers to be covered when driving their car.
Optional Extras
These options will increase the cost of insurance:
- Breakdown cover provides roadside assistance in the event of a breakdown.
- Legal expenses are covered if they arise from of compensation claims made because of a vehicle related accident.
- Windscreen cover is typically included in comprehensive policies but can be purchased as an add on for third party cover.

How to get cheap car insurance?
One of the easiest ways to find cheaper car insurance is to compare quotes. The car Insurance Service will show you great deals from a variety of the UK’s most trusted insurance providers. You can compare policies based on price, cover level, or annual or monthly payment.
- Choose your car wisely
- Increase your voluntary excess.
- Limit your mileage.
- Build up a no claims discount.
- Consider a telematics policy (a black box)
What details do I need to get a quick insurance quote?
To get a car insurance quote, you’ll need the following:
- Your car – either your registration number or the car’s make, model and age. (You will definitely need the registration number to buy a policy.)
- How you use your car – for pleasure and commuting, or for business purposes too. The service will also need to know how many miles a year you drive and where you keep your car at night.
- No claims discount (NCD) – how many years you have (you will also may need to provide proof from your current insurance provider if you’re switching to a different one).
- Your driving history – any accidents, insurance claims and driving convictions from the past five years. Be honest, or you could invalidate your car insurance policy.
- Additional drivers – details of any additional drivers you want to add to the policy.
- Personal details – you will also need to provide a few details about yourself . This will include your name, how old you are, where you live and the type of job you do.
- Your driving licence number – if you can provide this, it might reduce your price with some insurance providers.
Upgrades and additional cover
- Breakdown cover: If your car breaks down in the middle of nowhere, breakdown cover can help you carry on with your journey. You can add it to your car insurance policy or buy it separately.
- Personal accident cover: If you or your partner are killed or seriously injured in a car accident, personal accident cover can provide compensation. It usually comes with comprehensive insurance, but if you don’t have personal accident cover you can buy it separately or add it to your policy.
- Motor legal protection: If you’re injured in an accident and need to take legal action against another driver, someone takes action against you or you’re involved in a dispute related to a car, motor legal protection could help cover your legal expenses. You can add it as an extra to your policy.
- Car keys cover: not only is losing your car keys annoying, it can also be very expensive. If your keys are lost or stolen, lost keys cover can cover the costs of replacing and reprogramming them. When we show you a list of quotes to compare, just click ‘more details’ on each policy to see if key cover is included as standard or whether you need to add it as an extra.
- No claims discount protection: Your no claims discount can cut the cost of your premium significantly, so you won’t want to lose it if you have to make a claim. Protect it by adding this cover to your insurance.
- Windscreen cover: Repairing or replacing car windscreens can be expensive, so if this cover isn’t included in your policy you may want to add it on. When we show you a list of quotes to compare, simply click the ‘more details’ button next to each policy to see if windscreen cover is included or whether you need to add it on.
- Courtesy car cover gives you a car to use when yours is in the garage being repaired after an accident. Some policies include courtesy car cover, or you can add it on.
- Wrong fuel cover Filling up your car with the wrong type of fuel is a surprisingly easy mistake to make. Misfuelling cover can take care of the cost of draining and cleaning your tank, the cost of repairs or both.
- Personal belongings cover as the name suggests, this can cover your personal belongings in your car. It might come as standard with a comprehensive car insurance policy or you can add it on. Check the policy details so you know how to protect your belongings in your car.
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The information provided on this page is for editorial purposes only and not intended as financial advice
Invictus at Home Limited is an Introducer Appointed Representative of Seopa Ltd who are authorized and regulated by the Financial Conduct Authority under firm reference number 313860.
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