Cheap UK Car Insurance | You could save up to £518.00*
High levels of cover combined with cheap UK car insurance quotes. Click through on the ‘Get a Quote’ button above to compare motor insurance quotes from over 130 of the leading UK car insurers, and obtain the most suitable fully featured cover and protection you require.
UK Car Insurance
⇒ Compare 130+ providers and save up to £518.00*
⇒ Access Cashback and Rewards
⇒ 97% of reviewers recommend Quotezone*
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
The Quotezone click and compare service is entirely free to use. It is a totally independent, secure and impartial UK insurance comparison site, already helping over 1 million drivers to get the best deal and BEAT THAT QUOTE!
UK Car Insurance FAQs
What types of car insurance are available in the UK?
The three main levels are: Third Party Only (TPO) – minimum legal requirement. Third Party, Fire & Theft (TPFT) – adds cover for fire damage and theft. Comprehensive – includes all the above plus cover for damage to your own car, even if you’re at fault.
Is car insurance compulsory?
Yes. You must have at least Third Party Only cover to legally drive on UK roads. Even if you don’t use the vehicle, you must insure it unless it has a SORN (Statutory Off Road Notification).
What affects my car insurance premium?
Common factors include: Age and driving experience; Car make/model and value; Location and where the car is kept; Annual mileage; Driving history and claims; No-claims discount (NCD).
What is a No-Claims Discount (NCD)?
A discount applied for each year you drive without making a claim. It can significantly reduce premiums. Many insurers let you pay extra to protect your NCD.
Can I drive someone else’s car on my insurance?
Sometimes—but not always. Some comprehensive policies include Driving Other Cars (DOC) cover, typically third-party only and often with restrictions. Always check your policy documents.
What should I do after an accident?
Ensure everyone’s safe; Exchange details with any involved drivers; Take photos/evidence; Report the incident to your insurer as soon as possible, even if you don’t intend to claim.
We have been in business since 2005, helping drivers find great value car insurance quotes, combined with unbiased practical information for all drivers. Enabling you to compare from well over 100 general and specialist car insurers, providers, intermediaries, and brokers. Quotezone Car Insurance: If you are looking to obtain a new UK car insurance comparison quote, then Quotezone Car Insurance could be just what you are searching for. Compare UK motor insurance quotations from over 110 different providers and insurers in minutes, delivering the best value for money UK cover and policies. Browse and view an extensive range of comprehensive and third party policies. Obtain a low rate, car insurance comparison quote covering all driver and vehicle categories:
• Search, compare, and buy online – From an online panel of competitive companies in less than 3 minutes.
• Motor wizard – You could save time and money using the simple wizard, finding you the right policy at the right price.
• Instant cover – Available online or by phone. Provided you have a credit or debit card or the facility to pay by direct debit immediate cover* is available.
• Payment by installment – Flexible, pay monthly options available.
Direct Debit Car Insurance – Pay Monthly
Looking for a year’s cover with UK car insurance 10 monthly payments? There are a number of UK motor insurers who will provide the ability to pay monthly by direct debit with no deposit. HomeApproved can help you find these Direct Debit Car Insurance deals!
What is UK Car Insurance?
It is a legal requirement that for anybody to drive on UK roads we must have car insurance. Third party vehicle insurance is the legal minimum. This means you are covered if you have an accident causing damage or injury to any other person, vehicle, animal or property. It does not cover any other costs like repair to your own vehicle. The tricky part is finding the level of cover and right type of policy at the right price!
No-claims bonus – what it is and how it works
This is the discount that insurers offer when you don’t claim on your policy. The discount increases with each year that you don’t make a claim. The discount typically ranges from 30% after one year to 65% or more after five years. But if you have an accident and you claim for it, you generally lose two years’ worth of no claims bonus and your premiums go up.
Penalties for uninsured drivers
The police could give you a fixed penalty of £300 and 6 penalty points if you’re caught driving a vehicle you’re not insured to drive. If the case goes to court you could get: an unlimited fine; disqualified from driving and the police have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.
Third Party Fire & Theft Policy
A Third Party Car Insurance policy will pay out in the event that your vehicle is stolen or sets on fire. Lowest online premiums for your third party fire and theft young driver cover, women drivers, or modified vehicle quotes.
Comprehensive Cover
A Comprehensive Car Insurance will pay-out for third party damages and injuries, will pay-out in the event of your vehicle being stolen or set on fire, and will also pay for any damage to your own vehicle (regardless of whose fault the accident was). Best described as an ‘all-risks’ cover for your vehicle.
Electric Vehicle Insurance
Insuring an EV is no different than choosing a motor insurance policy for a vehicle with an internal combustion engine. With Quotezone you can compare electric vehicle policies from major insurers and smaller companies. In 2024 EV insurance is currently more expensive than conventional vehicle insurance, due to the need for specialist parts and servicing. There are however, specialist electric vehicle insurance companies that offer tailored policies for low emissions vehicles. Electric Vehicle Insurance.
*This is subject to normal UK car insurance terms and conditions.
