Car Insurance Calculator

Find out how much you should be paying for car insurance

Find out how much you should be paying for car insurance.

What sort of car insurance ‘risk’ are you?

Ever wondered why everyone pays a different premium for their car insurance? It’s because the amount you are charged for cover is based on a statistical assessment of how much risk you pose.

The greater risk you pose of being involved in an accident or having your vehicle stolen, the more likely it is your insurer will have to pay out for a claim.

Someone with a very expensive and powerful car will generally pay more than somebody with a cheaper, less powerful car. Similarly, someone with 20 years’ driving experience will tend to pay less than someone who’s just removed their L plates because, statistically, an experienced driver poses a lower risk.

Car Insurance Brokers

We work with insurance brokers to find you the best policy

Confused about which car insurance policy is right for you? Why not get a broker to help you find the best deal for your needs?

Car insurance brokers: background

When searching for car insurance it can be hard to know where to start, with so many different insurers and policies to choose from. If you’re looking for a helping hand, you can enlist the help of a broker to do the legwork for you.

They will scour the market and source car insurance quotes on your behalf by dealing directly with insurers so that you don’t have to.

Car Insurance Advice

More tips to help you save on your car insurance There are several different types of car insurance so it's important to get the right cover for your needs. Read on to find out all you need to know. Car insurance advice for every situation There are many different types of car on the road, as well as many different types of motorist. So, naturally, there are many different types of car insurance policy to suit their needs. A young driver who has recently passed his test and wants to insure a second-hand car will not want the same cover as, for example, a more experienced motorist who regularly takes their vehicle abroad. The choice of policies – and insurers – can help to bring down the cost of car insurance quotes as companies compete for your business. But it can also lead to confusion, especially if you are unfamiliar with the market. Our easy-to-read car insurance advice page can help by giving you the low-down on the different types of motor insurance and the hidden nastiest in the small print, as well as money saving tips and advice.

Business car insurance

Business car insurance explained

Think you need business car insurance? Find out how to get the right cover for your needs.

A standard car insurance policy covers your car for so-called social, domestic and personal use, which includes everyday driving such as visiting friends, the shops or a day out.

Many policies also automatically cover your car if you commute to and from a regular place of work. So, if you drive the car to the same office every day, or park in the same station car park, you would be insured.

But what if you drive to several different offices or work sites? Perhaps a colleague regularly takes your car to visit clients. Or maybe you drive hundreds of miles a week for business purposes. If so, you will almost certainly need business car insurance. It is often more expensive than standard motor insurance, but it is important to get the right cover for your needs.

American car insurance

Everything you need to know about car insurance for American cars American cars are growing in popularity in the UK. But getting car insurance to protect your vehicle isn't always straightforward. Here's what you need to know… We’ve all watched American movies, listened to pop stars from the US and even followed political developments across the pond, so it’s perhaps no surprise that American cars are proving popular with British motorists. Models such as the Ford Mustang, Lincoln Continental or even the iconic pink Cadillac allow us to live a little bit of the American dream right here in the UK. Of course, you need to insure your American car, just as you would a British vehicle – and that’s when the dream can quickly turn into a nightmare.

4x4 Insurance

Compare car insurance quotes for 4x4 vehicles are insurance for a 4x4 can be pretty expensive. So if you're looking to keep the costs down, here's what you need to know…

Overcome the high cost of running a 4x4 car

As any 4x4 owner will testify, running one of these vehicles doesn’t come cheap when you’re having to fork out for road tax and fuel – especially with petrol and diesel prices going up and up, hitting motorists’ pockets hard.

On top of that, 4x4 drivers are likely to face more expensive car insurance premiums than those who drive a conventional family hatchback.

But while there is little you can do about fuel and road tax, you don’t have to pay through the nose for 4x4 insurance, as you should be able to cut the amount you pay by carrying out a little research into premiums at Money Super Market.

With just a few clicks of a mouse, you will be able to compare quotes for 4x4 insurance from a wide range of car insurance providers to help you find the best deal at a competitive price.

Why is 4x4 insurance so expensive?

Learner Driver Car Insurance

Learner Driver Car Insurance , Compare car insurance for learner drivers earning to drive can be exciting, but it can also be a challenge. So do you need to search online or ask a broker about specialist learner driver insurance? Learner drivers: a guide to your car insurance options Car insurance premiums for young people tend to be sky high. The simple reason for this is that they are more likely to be involved in an accident and make a claim on their policy. So if you haven't yet passed your driving test, it's important to budget for the cost of insurance, as well as lessons...Do you need learner driver insurance? If you have signed up for lessons with a professional driving school, you don’t need to worry about insurance as it will be included in the cost of the lessons, along with any fuel. But the Driving Standards Agency

Temporary car insurance

Temporary car insurance

What is temporary car insurance?

Our guide explains all you need to know about temporary car insurance and how to find a policy that’s right for you.

What is temporary car insurance? 

Temporary car insurance, also known as short term insurance, provides cover between one and 28 days. It can be useful if you need a policy to cover you over a few days, are moving home or need to borrow a friend’s car. 

Can I just add someone to an existing policy?

Of course there is always the option to add a friend or a relative to your existing car insurance policy, should you need to do so - but this might not be the cheapest way to arrange the cover you need, and it could jeopardise your no-claims bonus if whoever borrows your car has an accident while driving it.

In addition, if something happened to your vehicle while a friend or relative was using it and you needed to make an insurance claim, that would probably mean an increase in next year’s premium - whereas claiming on a separate, temporary insurance policy wouldn’t affect your personal car cover in such a way.

Car Insurance Groups

Discover the impact of car insurance groups on premiums

Looking for car insurance?

What is the Group Rating system?

Car insurance groups are decided by the Group Rating Panel, supported by Thatcham Research. The panel decide which insurance group new car models should fall into. Group one being the cheapest to insure, to group 50 – the most expensive to insure.

According to the Association of British Insurers (ABI), the cost of car repairs take up more than half of insurance pay-outs, which is why repair costs are a strong factor when determining grouping.

Our own data (collated July – Dec 2016) has shown some of the cheapest cars to insure fall into groups one to three, including the Skoda Yeti, Fiat Qubo and Citroen Berlingo.

10 ways to keep your home safe this autumn

10 ways to keep your home safe this autumn

Autumn is just around the corner, so as evenings draw in, make sure you do everything you can to protect your home from burglars.hat explains why our latest number crunching has found that the highest rate of insurance claims for burglaries happen between the months of September and November.

We analysed over 2.7 million home insurance quotes run on our site and found that of the 2.1% policy holders who had made a burglary claim in the past three years, 2.26% had made their claims in autumn compared to 2.06% in spring.

Now’s the time to act

The clocks go back on October 25 this year, but it’s already getting darker earlier as we head towards September, so take action now to protect your home.

Here are 10 ways to make your property safe.

1. Set timers

There’s no bigger giveaway to burglars that you’re not at home than all the lights being off in the early evening.

Set timers on any plug-in lamps you have so that they can go on intermittently while you’re not there, making it look as though you’re at home

Home Insurance

You probably can't imagine life without a television, washing machine or laptop computer, which is why it makes sense to insure the contents of your home. Contents insurance - unlike buildings insurance - isn't compulsory, but most of us would struggle to replace our precious possessions if they were stolen or damaged by fire or a flood.
What is contents insurance?
Contents insurance is a policy that covers your home contents against loss, damage or theft. It will also insure your contents from any water leakage, or damage caused by storms or flooding. Typical items covered by a policy include furniture, clothes, electrical items, money and jewelers. It also covers some fixtures such as carpets and curtains.
What does contents insurance cover?
Contents insurance covers your home contents against loss or damage by theft or attempted theft, fire, explosion, lightning or earthquake. It will also insure against water leakage, storm or flood damage

Insurance

What is 'Insurance'

Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured.

Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property, or from liability for damage or injury caused to a third  party.