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I have tried other comparison sites and I find Quotezone easy to use and found a better deal.Peter, United Kingdom
Reviews.co.uk, 06 June 2014

 
 
 

Core Car - Body v2

Overview

Compare Car Insurance Quotes Online with Quotezone.co.uk

With Quotezone you can compare car insurance quotes from over 100 UK insurance providers in one go.


 

Whether you're looking for classic car insurance, cheap car insurance for your hatchback, an affordable quick insurance quote for your SUV, or a good family car insurance policy, Quotezone may be able to help you find a great deal. Our UK insurance panel provides insurance for a range of different cars.

Quotezone's simple one-two-three quote system can help you find a quick car insurance quote - just tell us about your car, yourself, and what type of cover you want, and we could provide you with dozens of quotes in just a few minutes! We could help find great deals for almost anyone including over 50s, young drivers, women and learner drivers and for a range of vehicles including classic cars, performance cars, and modified cars.

Your resulting quotes are shown from cheapest to most expensive, with information on what's included in the policy. Things like voluntary and compulsory excess, windscreen cover, monthly payments (some with deposits and some with no deposit), and any special offers, are displayed in a list for you to review. You can get more information on every quote, and buy your preferred policy directly online or by phone.

Your quotes are saved in your own Personal Quote Centre where you can review them at any time. Your details are remembered so you can get new car insurance quotes instantly. From your Personal Quote Centre you can also compare quotes for a wide range of different insurance types.

Quotezone is entirely free to use and we're a totally independent and impartial insurance comparison site. So far over 3 million people have compared insurance with Quotezone Join them today – complete a quick insurance quote and see if we could help save you money on your car insurance!

If you are a Polish national residing in the UK, Quotezone could help you find a better deal on your UK car insurance: Ubezpieczenie Samochodu

Car Insurance Guide

Most kinds of insurance are optional, but car insurance is one of the few that is required by law. If a car is driven on the road, it must have car insurance according to UK law. The only exception is if a car has a Statutory Off-Road Notice, which means that by law the car can't be driven on the road, but also doesn't require insurance.

Types of Car Insurance

UK car insurance comes in three main categories:

Third party: This is the minimum legal requirement for car insurance. It's a basic form of insurance that covers the costs of any damage incurred while driving. For example, if a driver is in an accident with another car, the at-fault driver is liable for damage to the other person's car, and for any medical expenses they incur as a result of the accident. Note, however, that the insurance does not cover the costs of damage to the car belonging to the driver who is deemed at fault.

Third party, fire, and theft: This is similar to third party insurance, but also covers the cost of replacing a car if it's stolen or damaged in a fire.

Comprehensive cover: Provides everything as above, but also covers costs for repairing the car belonging to an at-fault driver.

Depending on the insurer and the policy, the driver may be covered when driving other cars, including hired cars. Some policies also allow the policyholder to name other drivers to be covered when driving their car.

Special Coverage

Car insurance providers offer coverage for a wide range of special groups, including older and younger drivers and others. For example:

  • Younger drivers typically pay higher premiums, because this demographic tends to get in more accidents. As a result, for drivers under 25 it may be worthwhile to get a policy targeted to this age group.
  • Older drivers over the age of 50 may also benefit from getting a specialist policy.
  • Poor driving record: It's typically difficult for people with poor driving records, to get affordable insurance. Choosing a specialist insurance provider can help with this.
  • Business and commercial drivers typically need specialist insurance.

Optional Extras

These options add convenience, but will increase the cost of insurance:

  • Breakdown cover provides roadside assistance when the policyowner's car breaks down.
  • Legal expenses are covered if they arise as a result of compensation claims made as a result of a vehicle-related accident.
  • Windscreen cover is typically included in comprehensive policies but can be purchased as an add on for third party cover.

Car Insurance Groups

Car insurance groups are what insurance providers use to determine a driver's basic premium level. Insurance groups are numbered from 1 to 50, and each make and model of car is categorised into a specific group based on a wide range of factors. The lower a car's group, the lower the driver's premiums tend to be. Factors that affect the group a car is in could include its price, performance level, the cost and availability of spare parts, and the average time required for repairs.

Comparing Policies

In order to compare car insurance online, it could be good to look at a number of different factors to get the best prices and the best level of coverage. A person could start by comparing like with like, as well as comparing different kinds of policies. For example, comparing third party policies from various insurers, and also comparing the different policy levels offered by the same insurer. Making the comparison this way may make it easy to see what the best deals are. Sometimes, depending on the car the driver's personal circumstances, comprehensive cover might be almost as cheap as third party insurance.

Minimising Premium Costs

One possible way to get cheap car insurance could be by owning a car in one of the lowest premium groups. This typically means owning a newer car. When it comes to calculating premiums, insurance groups may not be the full story, however. Insurance companies might use other information, such as age, gender, and driving record, when they calculate premiums. Home address could also taken into consideration; for example, if a driver lives in a high-crime area, they might pay more as insurers consider the car more likely to be damaged or stolen.

Some ways to reduce premium costs might include:

  • Drivers that avoid making claims may benefit from a premium discount; the discount typically gets higher with consecutive claim-free years.
  • The no-claims discount may often be transferred to a new insurance provider if a driver finds a better deal elsewhere.
  • The no-claims discount doesn't necessarily prevent an insurer from increasing premium costs. It's a discount applied to whatever the premium is, so the premium could increase even if the discount remains the same.
  • Most policies have two separate excess amounts. One is set by the insurer and is an integral part of the policy. The second is one that the driver may set themselves. To reduce their premium a driver could opt to set this excess higher, but it does mean they tend to pay more out of pocket if they have to make a claim. And since the excess has a mandatory per-policy component, there could be an excess to pay on every claim regardless of how high the voluntary excess is set.
  • Car modifications of any kind could result in a premium increase, so it may be good idea for a driver to check with their insurer before adding any mods.
  • Paying premiums annually rather than monthly could reduce the cost significantly.

 
 
*51% of consumers could save £200. We split the providers on our system into different categories. We then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, we selected the cheapest of either the high volume sales providers or other providers (“the cheapest selected quote”). We then compared the cheapest quote on our system against the cheapest selected quote. We then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.