Find and Compare Car Insurance Quotes with The Money Pig

CAR INSURANCE

The best car insurance deal is different for everyone. Whether you’re looking purely for the cheapest car insurance in the UK or insurance with a handful of additional features and benefits, with The Money Pig you’ll get to see all the car insurance quotes available to you, in one place.

The Easiest Way to Get Your

Car Insurance Quote

Don’t Pay More Than You Should

Compare car insurance quotes like-for-like across providers to get the best package.

Multiple Quotes in a Matter of Minutes

In just a few minutes you can choose a quote and insure your car.

Car Insurance to Suit You

Find car insurance with the best price or the most suitable features and benefits.

Compare Car Insurance Quote Quotes in a Matter of Minutes

With just a few minutes of your time and a handful of details, we’ll provide you with a wide range of car insurance quotes. All we need from you is:

About Your Car

Tell us your registration details, as well as the make, model, and age of your car.

How You’ll Use Your Car

Will you use your car for business purposes other than getting to and from work, or purely for social and domestic purposes?

Any Modifications to Your Car

Modifications to your car can change what your insurance costs, so insurers need to know about them to ensure you’re covered correctly.

What Your Car is Worth

This helps insurers calculate the cost of your premium. We may be able to give you an estimated value based on the details you enter.

About Your Car

Tell us your registration details, as well as the make, model, and age of your car.

What Will Your Car Insurance Cost?

Several factors determine the cost of your car insurance, but ultimately what it comes down to is insurer’s perceptions of how likely you are to make a claim.

According to Consumer Intelligence data, as of November 2019 the average annual car insurance premium was £820.

However, the cost of your car insurance will depend on things like the type of cover you’re looking for, with fully comprehensive cover typically the cheapest, while your age and all the other details we’ll ask you for will also play a part.

Age is often the biggest differential when it comes to car insurance, with new and inexperienced drivers shown to be more likely to have an accident or make a claim. According to Consumer Intelligence, the average annual car insurance price in November 2019 for an under-25 was £1,591. By comparison, the equivalent price was £714 for drivers aged 25 – 49, and £413 for drivers over 50.

Get your personalised car insurance quotes from The Money Pig today!

How to Get Cheaper Car Insurance

Car insurance can be expensive, especially if you’re a younger or new driver. Thankfully, whatever your circumstances, there are several ways you can keep your costs down.

Pay for Your Car Insurance Annually

When you pay for your car insurance annually you avoid interest, finance charges, and needing to worry about another direct debit leaving your bank account each month!

Try to Avoid Cars with Modifications

Whether you’re looking for a new car or are considering making modifications to an existing vehicle, bear in mind your insurance costs will increase as it will cost more to repair or replace a car with modifications.

Compare with The Money Pig and Don’t Auto Renew!

Compare car insurance deals with The Money Pig to ensure you’re getting the best car insurance deal. Don’t auto renew and assume the best insurer last year is the best one now!

Consider a Telematics Car Insurance Policy

Telematics – often described as “black box” insurance – involves tracking your driving data to price your insurance accordingly. Assuming you’re a careful driver, having a telematics policy will usually reduce your car insurance costs.

Keep Your Vehicle as Secure as Possible

Factors such as having immobilisers and alarms reduce both the risk of your car being stolen and the cost of your insurance. Keeping your car on a drive, in a garage, or in a secure parking facility will also bring down your insurance cost.

Increase Your Excess

Choose insurers with a higher compulsory excess and increase the voluntary excess you’re willing to pay. While this will bring your insurance cost down, ensure you can afford the voluntary excess in the event of needing to claim.

Check Optional Add-Ons

Common add-ons seen with car insurance policies like legal assistance and personal accident cover can often be purchased cheaper individually. Check these against the prices offered by insurers if they’re something you feel you need.

Be Honest About Your Annual Mileage

While driving more miles per year can increase the cost of your insurance, you should always give an honest estimate of what you expect your mileage to be as not doing so could invalidate any claim and leave you out of pocket.

What Type of Car Insurance do I Need?

What you’re covered for will depend on the specific type of car insurance you have. It is important to choose the policy that offers the best level of cover for you, not automatically go for the one that’s the cheapest.

Having car insurance in the UK is a legal requirement, with the minimum level of cover you can have being third party only. Driving without insurance is a criminal offence, potentially punishable with an unlimited fine and driving ban. Individuals convicted of driving without insurance may find it difficult to obtain car insurance in future.

An outline of the three different types of car insurance is below.

Fully Comprehensive Car Insurance

Fully comprehensive car insurance is, as its name suggests, the most extensive level of insurance available.

Having fully comprehensive car insurance ensures you’re covered for repair or replacement if your car is damaged in an accident, is broken into or stolen, or catches fire.

You’re also covered for claims made against you for people, passengers, and their car or other property.

Fully comprehensive car insurance is the only cover that covers your costs for repairs or if your vehicle is written off due to an accident in which you are at fault.

Not all fully comprehensive car insurance policies are the same, so you should check exactly what is covered before taking out a policy.

  • Fully comprehensive car insurance is the most extensive level of insurance available.
  • You should check your policy details for specific details.
  • Fully comprehensive car insurance is often cheaper than other types.

Third Party, Fire, and Theft Car Insurance

Third party, fire, and theft car insurance covers you for injury and damage to other people, their passengers, their cars and other personal property, as well as if your car is broken into, stolen, or damaged
by fire.

Under a third party, fire, and theft policy, you would not be covered for any damage to your car in the event of an accident that is your fault, meaning you could be left out of pocket. Your insurance will still enable you to claim if your car is damaged and another driver is at fault.

  • Third party, fire, and theft car insurance covers you for injury to others and damage to their car and other personal property.
  • You’re also covered if your car is stolen or in a fire.
  • You’re not covered for car repairs or if your car is written off if an accident is your fault.

Third Party Only Car Insurance

Third party only car insurance is the most basic type of car insurance available, and the minimum cover you must have to legally drive on UK roads. Third party cover is included in both other insurance types, but can be taken out as a standalone product if it is what best meets your needs.

Third party only car insurance covers you for injury or damage to other people, their passengers, their car and other personal property in the event of an accident that is your fault.

You and your car are not covered at all by third party only policies. In the event of an accident that is not your fault, you will be able to claim against the other party’s insurance. However, your insurer usually won’t assist you in making the claim and you may need to pay an external claims handler to regain the costs of repairs or your vehicle in the event of a write-off.

  • Third party only car insurance is the most basic type of policy and the legal minimum cover required to drive on UK roads.
  • Covers third parties, their passengers, their car and other property.
  • Does not cover you or your vehicle irrespective of fault in an accident.
  • Not always the cheapest option despite being the most basic type of car insurance.

Car Insurance Specifically for Your Needs

If you need a specific type of car insurance, find the one for you with The Money Pig. Some of the types of insurance you’ll be able to find with us are detailed below.

Young Driver
car Insurance

Even older new drivers can end up paying significantly more than the average for their age bracket. We’ll help you find the best new driver car insurance deal at whatever age you’ve passed your test and are getting on the road.

Young Driver
car Insurance
Classic
Car Insurance

Even older new drivers can end up paying significantly more than the average for their age bracket. We’ll help you find the best new driver car insurance deal at whatever age you’ve passed your test and are getting on the road.

Classic
Car Insurance
Over 50’s
Car Insurance

Even older new drivers can end up paying significantly more than the average for their age bracket. We’ll help you find the best new driver car insurance deal at whatever age you’ve passed your test and are getting on the road.

Over 50’s
Car Insurance
Telematics
Car Insurance

Even older new drivers can end up paying significantly more than the average for their age bracket. We’ll help you find the best new driver car insurance deal at whatever age you’ve passed your test and are getting on the road.

Telematics
Car Insurance
Multi
Car Insurance

Even older new drivers can end up paying significantly more than the average for their age bracket. We’ll help you find the best new driver car insurance deal at whatever age you’ve passed your test and are getting on the road.

Multi
Car Insurance
Business
Car Insurance

Even older new drivers can end up paying significantly more than the average for their age bracket. We’ll help you find the best new driver car insurance deal at whatever age you’ve passed your test and are getting on the road.

Business
Car Insurance
European
Car Insurance

Even older new drivers can end up paying significantly more than the average for their age bracket. We’ll help you find the best new driver car insurance deal at whatever age you’ve passed your test and are getting on the road.

European
Car Insurance
Classic
Car Insurance

Even older new drivers can end up paying significantly more than the average for their age bracket. We’ll help you find the best new driver car insurance deal at whatever age you’ve passed your test and are getting on the road.

Classic
Car Insurance

Additional Benefits and Features for Your Car Insurance

When comparing car insurance policies, you may find several benefits and features included as standard. While some insurers offer these as standard, others may offer them as an optional feature with an additional cost. As these can drive up the price of what at first appears to be a cheap car insurance policy, consider whether you really need them before adding them to your policy. us are detailed below.

Breakdown Cover

Having breakdown cover included in your insurance means you and your vehicle can be recovered and taken home or to the nearest garage in the event of a breakdown. Different types of breakdown cover are available, from basic roadside assistance to roadside assistance, recovery, home start and onward travel, the latter covering you even if your car won’t start at home and covering your costs for travel undertaken while your car is repaired.

Courtesy Car

If your car is damaged in an accident and you are at fault, if you have courtesy car cover then your insurer will provide you with a car while your car is being repaired. If you don’t have courtesy car cover and are involved in an accident that isn’t your fault, you can ask your insurer to arrange a courtesy car and bill the other party’s insurer for the use. Check the conditions and for any exclusions when you take out courtesy car cover, as you may not be able to get a courtesy car if your car is stolen or written off.

Protected No Claims Discount

Protecting your no claims discount means that, in the event of making a claim, your no claims discount is not wiped out entirely. Check what this condition specifically means before adding it to your policy. Some insurers will continue to treat you as if you have had no claims at all, while others may remove a year or two from any no claims bonus you have built up.

Personal Accident Cover

Personal accident cover is designed to help you claim compensation if you’re injured in an accident that is your fault. The cover would help you to reclaim any loss of earnings, for example, if you needed to take time off work. In cases where you are injured in an accident that wasn’t your fault, you would claim against the other party’s insurance for any personal injury or loss of earnings. It is recommended you check and are happy with claim limits before taking out personal accident cover, as these will vary between insurers, while some policies will cover other people injured while driving your car as well as passengers.

Legal Assistance & Expenses Cover

Legal assistance and expenses cover could help you to claim following an accident that wasn’t your fault. You can also use this cover to help protect yourself against personal injury and other claims brought against you if you are at fault in an accident. Note that having this cover is not a guarantee that your insurer will pay out, as if they’re advised by lawyers that a case is unlikely to succeed, they can choose not to cover the costs of a claim or a defence. Claim limits may vary so ensure you check and are happy with them prior to taking out legal assistance and expenses cover.

Excess Protection Cover

Excess protection cover allows you to claim back the cost of your excess in the event of a claim against your insurance policy. This can be a useful feature to add as not only does it prevent you having to pay out if you have an accident or make another claim, but you can increase your voluntary excess and bring down the cost of your car insurance policy. Even by subsequently adding this cover you will usually still be making a saving.

Windscreen Repair & Replacement Cover

Windscreen repair & replacement cover will ensure you’re covered – at most usually having to pay a small excess – for repairs to chips and cracks on your windscreen, or a replacement if needed. This will usually cover all your car windows, but it is worth checking this before taking out a policy.

Lost & Stolen Keys Cover

The technology built-in to modern car keys means that lost or stolen keys can cost a significant sum of money to replace. Lost & stolen keys cover will allow you to claim back your costs for replacement keys.