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Car Insurance
We think finding car insurance should be a piece of cake.
Kompare will assist you every step of the way. We work and kompare prices from the UK’s leading car insurers so you don’t have to.
Finding cheap car insurance is just one click away.
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Here at Kompare, we’ve made the whole process of finding Car Insurance a lot simpler.
With so many different types of insurances to choose from, selecting the right insurance type can seem overwhelming. That’s why we’ve made it simpler than ever before.
Even if you’re a provisional driver and haven’t passed your driving test, or you have driving convictions and are struggling to find a broker who will insure you, don’t worry - Kompare work alongside UK brokers who specialise in all types of car insurance.
Whether you want to beat your current provider’s renewal quote or insure a new vehicle, our quick, easy price comparison service could help you find a cheaper car insurance deal in no time at all.
What Details Do I Need To Provide?
Details Of The Car
You don’t need to know the exact model of your car. Enter your reg and we’ll automatically fill the details for you.
No Claims Bonus (NCB)
We’ll ask how many years NCB you have. You can also request this from your current insurance provider.
Named Drivers
We’ll need the personal and licence details of other drivers in order to add them to your policy.
Licence Details
We need to know the details of your licence, how long you’ve held the licence for, and what type you hold.
Previous Claims
Have you been involved in any accidents or claims in the last 5 years?
Driving Convictions
If you have any points or disqualifications on your licence, we will need to know all of the details.
What Are The Different Levels Of Cover I Can Purchase?
When taking out a car insurance policy, you’ll be asked which type of cover you’d like to purchase. There are three levels of cover. Here are your options:
Fully Comprehensive
This is the most extensive level of cover available. It includes third-party, fire & theft. This protects you and other motorists from any damage you cause, as well as covering medical expenses.
Third-Party, Fire & Theft
This level of cover helps you if you’re responsible for damage to other people, passengers or their property and it will cover the cost of repairs. You are also covered if your car gets stolen or damaged by fire. HOWEVER, if you’re responsible for an accident, this level of cover will not help pay for repairs to your vehicle or any medical expenses, you will have to pay the costs.
Third-Party Only
This is the most basic level of cover you can purchase and the lowest that it legally required. This will help pay for any damage you cause to other vehicles and property. There is no cover for you or your car. If your vehicle is damaged or stolen, you won’t be able to claim back the cost.
Frequently Asked Questions
We understand that taking out car insurance can seem quite daunting. That's why we've put together a collection of FAQs to answer any questions that you may have.
Car insurance will cover you if your car is subject to theft or involved in an accident. It also protects other drivers if you damage their vehicle or property. The cost of your insurance is based on how much of a risk you are to insurers. Typically, younger drivers pay higher premiums.
It is a legal requirement to have car insurance if you drive a car. Without it, you could be fined or have be disqualified from driving. Having car insurance provides you with cover if you're involved in an accident.
Your insurance price is based on statistical risk. There are several different factors taken into consideration when you are given a quote.
Age: Statistics show that the more experienced you are at driving, the less of a risk you are to insure. If you're a young driver, your inexperience works against you. More experienced drivers will be rewarded with cheaper insurance premiums.
Gender: Insurers are no longer allowed to base their prices depending on someones gender. However, men still end up paying more for their insurance. This is due to the cars they drive and that they tend to drive more hours than women, according to statistics.
Location: Where you live can have an affect on your insurance. If the area in which you reside in has a high crime rate, then you are at a higher risk of your car being stolen or vandalised.
Occupation: If your job requires you to be on the road more than the average driver, then you are a high-risk client to insurers as you'll be on the road more.
Type of Car: If your car is more expensive or powerful than the average car, you will be seen as a higher risk. Your car has a higher risk of being stolen if more expensive; and your car has a higher risk of being involved in an accident if it's more powerful. It's that simple.
You can estimate your annual mileage by figuring out how many miles you drive every week, then adding them up to work out the total. Or, you can check your MOT certificate or service record, which will show how many miles you've driven.
When you state the number of miles you drive each year on your policy, it needs to be accurate as different miles can affect the insurance premium. The more you drive, the more you'll pay. If you underestimate your mileage, you could invalidate your policy.
It's completely dependent on your circumstances and what you can afford. It's usually cheaper paying an annual lump sum than paying monthly as you might be charged interest on the monthly instalments.
There are a number of factors that determine a car's value; age, mileage, make, service history, modifications, and the condition it's currently in. A good way to figure out the price of your vehicle is to look at used-car listings to find prices of similar models in similar conditions to yours. Try and be as accurate as possible.
Alternatively, you can call us for a quote ( completely free )
0800 812 1000
Or you can request for us to call you at a convenient time.