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What do I need to compare quotes?
To run a price comparison for a UK car, you will need to have the following documents or pieces of information:
Number plate details
You don't need your registration number to get a quote but you will need it to buy your car insurance.
Details of your No Claims Bonus (NCB)
This could significantly reduce your premium depending on the length of your NCB.
Your driving licence
The type of licence, how long you've held it and details of any points or disqualifications you've had in the last 5 years.
Additional driver information
Other drivers' names, licence details and information on points or disqualifications.
Insurers will need to know details of any claims or accidents in the last 5 years.
How can I get a cheap quote?
There are several ways to get yourself a cheaper auto insurance quote when running a comparison:
- Choose a car less likely to be in a crash. Avoid cars that are too fast or powerful, or making sure your car has a high safety rating.
- Car insurance for young driver often costs a lot more. While you can't change your age, there are many ways to cut the cost of teens' car insurance.
- Drive safely and responsibility. Doing so will build up your No Claims Bonus (NCB) and result in a reduced car insurance.
Also, try our DIY tips to save money when insuring your motor.
The best way to get a cheap car insurance policy is to compare prices.
Comparing the market will allow you to find the cheapest car insurance quote.
Our switchers save themselves an average of £200 a year.
Compare prices from over 100 motor insurance companies to find you the best price.
Don't pay more for your policy than you should. See what you can save today.
Why is my autorenewal so high?
Be careful not to fall for the autorenewal trap.
Every year your insurance provider will send you a letter outlining a new price for renewing your car insurance.
Unless you want to pay a premium, never accept your autorenewal price.
Paying for your autorenewal is a costly mistake.
This autorenewal quote is nearly always a lot more expensive than the year before.
Car insurance companies often raise prices every year and try to convince you to auto-renew at an inflated premium in the name of 'convenience', promising you it's a 'good deal'.
The average motorist saw their premium soar by £110 in 2016, according to analysis of over four million quotes.
Find out for yourself if your autorenewal is a good deal. When your policy comes up for renewal, get yourself online and run a price comparison.
What type of policy do I need?
Before you run a comparison, you should be familiar with the various types of car insurance out there.
There are three basic types of policy in the UK:
Comprehensive: If you have a comprehensive policy, you will be protected against damage to both your own car and other's. Comprehensive car insurance costs more, although it may end up saving you money in the long term.
Third-party: A third-party policy will only cover you for damage caused to other people's cars.
Fire & theft: Fire & Theft is a type of third-party insurance, meaning damage to other's property is protected, with one bonus: you will be covered if your car sets on fire or is stolen.
For drivers with more particular auto insurance needs, there are also several types of specialist insurance policies on offer:
Multi-car: A multi-car insurance policy covers you for all the cars you own. This type of insurance policy means you pay less for each car.
Temporary: If you need insurance cover for only a short amount of time, you can get short-term insurance for as little as a day at a time from most insurance providers. However, some smaller companies are also starting to offer short-term insurance by the hour.
Insurance with a black box: Having an insurance policy that comes with a black box allows your provider to track how your driving is. They will know how the speed you drive and the pattern of your braking. This informs the insurance company of how well you drive and therefore how much they will charge for a policy.
Learner insurance: If you are learning to drive, you should take out a specialised learner policy. This can be either for your own car or someone else's.
Classic car insurance: To get a better price on insurance for your classic car, taking out a specific classic car policy can be cheaper. Insurance providers classify a classic car as anything over 15 years old.
How do I know what's the best car insurance company?
At A Spokesman Said, you can find out for yourself how good an insurer is before you switch.
We've reviewed the UK's major car insurers so you can be sure you're switching to the best motor insurance provider possible.
Our insurance company reviews will answer all the usual questions:
Which car policy providers have the best customer service?
Which have hidden fees?
What policy extras do certain providers offer?
Be sure to read a review of any insurance company before you take out a motor policy after running a comparison.
How can I complain about my policy provider?
If you've had a dispute with your car insurance provider, let us know on our free complaints tool.
That can include a company overcharging you, or refusing to honour an insurance claim.
If you need to complain about your auto insurance provider, we're here to help.
We handpick complaints from our community and use the power of publicity to make the insurance company do the right thing.
What else do I need to know?
What's the penalty for driving without insurance?
Driving without insurance is illegal. If you're caught driving without it, you may be fined or even disqualified from driving.
The maximum fine you could face is £5,000 with between six and eight penalty points slapped on your license if you're caught driving without insurance.
If I have a car that doesn't go on the road, does it need auto insurance?
If you keep your car off-road, you don't have to pay insurance on it.
However, to qualify for this you need to obtain a SORN (Statutory Off Road Notification) for your vehicle.
It's free to obtain and available from the DVLA.
We're far more than just a price comparison site to find a cheap car insurance quote.
Our mission is to help you save money and fight for you when things go wrong.
Our guides will keep you informed, helping you make the right decisions to save money.
There's a guide on how to watch out for hidden fees on your car insurance, as well as a rundown on how technology could help you cut down your policy costs. We've even got a guide on black boxes and young drivers in particular.
Even if you're looking for quick tips on scaling back your car insurance costs, we've got you covered.
We've even got a guide on what to do should you ever be unlucky enough to have driving convictions.
And, you can use our free complaints tool to make your voice heard.
We handpick many of our complaints from our community and use the power of publicity to make the company do the right thing.
It's why A Spokesman Said was set up in the first place!