🚗 Car insurance compared
UK avg paid: £560/yr (ABI Q1 2026)Prices paid (ABI) and quoted (Confused.com index) differ by design — renewals are cheaper than new-business quotes. Always compare both your renewal and fresh quotes.
Admiral
- MultiCar discounts for households
- Named-driver no-claims discount
- Courtesy car on comprehensive
- Strong value for multi-vehicle
Aviva
- Defaqto 5-star comprehensive cover
- Uninsured driver promise
- Motor legal services add-on
- Large UK claims network
Direct Line
- Not on comparison sites — quote direct
- 7-day repair promise
- Guaranteed hire car option
- Onward travel after accident
LV=
- Consistently strong service scores
- Uninsured driver promise
- Misfuelling cover included
- M&S Bank partner pricing
Veygo (by Admiral)
- Hourly to monthly temp insurance
- Learner driver policies
- No risk to owner's no-claims
- All-digital, instant documents
Cuvva
- Temp cover from 1 hour to 28 days
- App-based, cover in minutes
- Good for borrowing a car
- No deposit or credit check
Quickest way to compare: run one quote and see multiple 🚗 car insurers side by side.
quotes at GoCompareWhat to compare before you buy
- Comprehensive often beats third-party on price — insurers price TPFT for higher-risk drivers, so always quote both.
- Protected no-claims discount: worth it once you have 5+ years built up.
- Courtesy car and windscreen cover are not standard on every comprehensive policy — check, don't assume.
- Black-box (telematics) policies can cut £200+ for young or new drivers.
- Motor legal protection (~£25–30/yr) covers uninsured-loss recovery and is often worth adding.
Frequently asked questions
Why did my renewal go up when average prices fell?
Averages hide individual factors: claims, points, postcode changes and car group changes all move your price. With the market average paid at £560 (ABI Q1 2026), a comparison quote is the fastest check on whether your renewal is fair.
Is third-party cover always cheaper than comprehensive?
No — counter-intuitively, comprehensive is often cheaper. Historically higher-risk drivers chose third-party, so insurers price it accordingly. Quote both before deciding.
What is temporary car insurance?
Hourly/daily/weekly cover (from providers like Veygo or Cuvva) for borrowing a car, sharing a drive, or learner practice — it leaves the car owner's no-claims discount untouched if you claim.
Does a telematics (black box) policy actually save money?
For younger and newer drivers it often cuts £200 or more, because the price reflects how you actually drive rather than just age and postcode. The trade-off is mileage limits or curfews on some policies — check the terms before committing.
Should I pay for protected no-claims discount?
It's usually worth it once you've built up around five years of no-claims, because the discount is then worth more than the small extra premium. Note it protects the discount, not your price — your premium can still rise after a claim.