VEHICLE INSURANCE - COMPARE VEHICLE INSURANCE (Providers)

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Please see a range of car insurance and other vehicle insurance providers below. If you are a UK motorist, you will already have compulsory cover in place, but this only provides basic third party cover. Many people want to set up a car insurance policy to cover themselves in the event of an accident. There are other highly useful areas you can include in a car insurance policy, such as breakdown cover, windscreen and window repairs and 24 hour assistance. The 'get a free insurance quote' button gives you access to the Seopa Insurance quote system which offers access to additional insurers from those listed in the table below. www.whichwaytopay.com is owned by Which Way to Pay Limited, who are an Introducer Appointed Representative of Seopa Ltd. The insurance quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FSA, number 313860. For more information please see disclaimer.

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If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDERTYPE

TYPE

Broker or Provider

VEHICLE INFO

VEHICLE INFO

Which type of vehicle you can insure

DRIVER INFO

DRIVER INFO

Driver information necessary

POLICY

POLICY

Details of the insurance policy

COST

COST

Cost of policy

EXCESS

EXCESS

An excess is a payment you have to make if you decide to claim on your policy

COVER

COVER

Details of cover available

METHODS

METHODS

Application Methods available

SUITABLE

SUITABLE

Who insurance is suitable for

RESTRICTIONS

RESTRICTIONS

Restrictions for applicants

MORE INFO

QDOS
QDOS

ProviderCars, vans, motorbikesUK driving licenseQDOS Breakdown Coverfrom £11.99NoType

Cover Type

Vehicle Insurance


Level

Cover Level

Different combinations


Detail

Cover Detail

Roadside,Home Start, UK and Europe

OnlineSuitable For

Suitable For

All Uk drivers

Restrictions

Restrictions

UK residents only

QDOS
QDOS provide cover 365 days a year 24 hours a day. We cover a wide range of risks and cover vehicles (including vans and motorcycles) up to 16 years old. We have the fastest independently assessed response time in the market.Our policies are flexible so a customer can choose to insure the vehicle (which will cover all drivers of the vehicle) or themselves (which will cover all vehicles they travel in, provided they do not exceed the policy limitations). There are dual vehicle and joint personal options too. DETAIL INFORMATION >>Services

Services

Telephone Hotline, online application


Advantages

Advantages

1.24/7 roadside assistance 

2.Fastest independently assessed assistance arrival time (36 minutes). 
3.Competitive prices


Disadvantages

Disadvantages

Not more than 6 callouts per year

Sainsburys Vehicle Insurance
Sainsburys Vehicle Insurance

ProviderAll carsNew customers only benefit from the offerSainsburyFrom £224Ask on applicationType

Cover Type

Courtesy Car, Windscreen and Uninsured Driver Promise


Level

Cover Level

Comprehensive


Detail

Cover Detail

1. Keep you on the road- After an accident, we'll give you a courtesy car for the full duration of the repair (provided through approved repairers, subject to availability, not available if your car is a total loss)
2. Put a roof over your head - If you have an accident and you need a place to stay. We'll cover your hotel expenses up to £150.
3. Keep your children safe - We'll replace your child seat following an accident, even if there is no apparent sign of damage.
4. Make life as hassle-free as possible - If your Sainsbury's shopping is stolen from your car, we’ll replace it up to the value of £200.
5. Look after the details - Following an accident, we'll replace your personal belongings to the value of £100.
6. Repair your windscreen - We'll replace or repair your windscreen when you use one of our approved windscreen companies. Or we'll pay up to £150 if you go with a different company.
7. Cover for when you are travelling in Europe- With up to 3 free days of the same level of cover as you have in the UK.
8. Give you peace of mind - With guarantees on all repairs for up to 5 years (as long as you use an approved repairer).
9. Protect you if you are a passenger - With personal accident cover of up to £5,000.

OnlineSuitable For

Suitable For

Nectar card holders

Restrictions

Restrictions

Exclusions and limitation apply to the policy.

Sainsburys Vehicle Insurance
Cover Available: Types of Policy Available, Discounts: Courtesy Car, Windscreen and Uninsured Comprehensive Multi car, No Claim Driver Promise. Get free Sainsbury's Breakdown Service for 1 year. Introductory offer. Ends 28.09.15. Underwritten by U K Insurance Ltd. DETAIL INFORMATION >>Services

Services

A wide range of benefits including a courtesy car of similar physical size and class as your own included as standard with Premier Cover policies for the duration of the repair!


Advantages

Advantages


1. A wide range of benefits including a courtesy car included as standard while your car is being repaired by an approved repairer, subject to availability.
2. Child Car Seat Cover - we will cover the cost of replacing a child car seat if your car is involved in an accident, damaged by fire & theft or stolen - even if there is no apparent damage.  - Comprehensive Cover Only
3.Valuable protection against uninsured drivers! With no excess to pay and without affecting your No Claims Discount.(Premier Cover Only)
4. 5 Years guarantee on car repairs via an approved repairer.


Disadvantages

Disadvantages

1. You will need to pay an excess if you make a claim

Reduce my Excess
Reduce my Excess

ProviderCarsUK driversReduce my ExcessGet a quoteAsk on applicationType

Cover Type

Car hire insurance


Level

Cover Level

Ask on applicatiopn


Detail

Cover Detail

To reduce excess of hired cars

OnlineSuitable For

Suitable For

Hired vehicles

Restrictions

Restrictions

Only UK drivers

Reduce my Excess
The Car Hire Excess Reimbursement Insurance may be purchased any time before the collection of a car hire vehicle and is usually far cheaper than the car hire company's own policy. As well as short trips, annual European or Worldwide policies are also available for customers who frequently hire vehicles for less than 31 days, which can be even more cost-effective at either £39.99 or £49.99 per annum! DETAIL INFORMATION >>Services

Services

Online quote


Advantages

Advantages

1. Large range of cover 

2. Easy online quote and buy


Disadvantages

Disadvantages

Cover doesn't include motor homes, trailers or caravans, vans, trucks

Allianz Car Insurance
Allianz Car Insurance

ProviderAll carsAll driversAllianz Your CoverFrom £164Ask on applicationType

Cover Type

Vehicle Insurance


Level

Cover Level

Core cover plus optional additions


Detail

Cover Detail

Comprehensive car insurance tailored to your needs – now with free Legal cover

onlineSuitable For

Suitable For

All drivers

Restrictions

Restrictions

Ask on application

Allianz Car Insurance
Defaqto 5 star rated car insurance from Allianz. With comprehensive car insurance from Allianz, you get the protection you need for your car and what's inside. From accidents to lost keys, Allianz can help you take care of it. Allianz is part of the Allianz Group, which insures 30 million motorists globally. This offer is only available if you purchase via the link on this page. DETAIL INFORMATION >>Services

Services

Free legal cover


Advantages

Advantages

1.No admin fees
2.UK call centres
3.24 hour claims service


Disadvantages

Disadvantages

Not for people aged under 25 years

cycleplan
cycleplan

ProviderAll kinds ob bicyclesAll cyclistscycleplanDepends on kind of bikenoType

Cover Type

Bicycle insurance


Level

Cover Level

Limit,Premium


Detail

Cover Detail

Accident,theft,public liability and additional options

OnlineSuitable For

Suitable For

Bicycle owners

Restrictions

Restrictions

UK residents only

cycleplan
Cycleplan provides specialist cycling insurance for you and your bicycle whether that be cycling for leisure, commuting, off-road, competition, sportives, track, road racing or triathlons. We also are committed to delivering a professional service that is both accessible and personalised in order to provide sports coaches and instructors with insurance cover that most closely meet their needs. DETAIL INFORMATION >>Services

Services

Online quote and application,


Advantages

Advantages

1.European and Worldwide cover 

2.No Premium Penalty following a claim 
3.14 Day Money Back Guarantee
4. Lowest Price Promise 
5.No extra charge if you live in a city


Disadvantages

Disadvantages

Only UK residents

Auto National Breakdown Cover
Auto National Breakdown Cover

ProviderAll carsAll driversAutonational Breakdown Coverfrom £24Ask on appliactionType

Cover Type

Breakdown Cover


Level

Cover Level

Super Service, Total Super Service


Detail

Cover Detail

Roadside Serviece, Recovery Service, Emergency Service, Home Service,

OnlineSuitable For

Suitable For

All drivers

Restrictions

Restrictions

Ask on application

Auto National Breakdown Cover
AutoNational were one of the very first roadside and recovery services to look after their members whether they breakdown or not! And that is because they provide national breakdown cover with a protected no claims bonus (if you don't breakdown in the first year of your membership, then you'll get 25% off your breakdown cover the following year). Join Autonational Rescue today and get this bonus as an introductory offer! DETAIL INFORMATION >>Services

Services

24-hour, 365 day breakdown cover


Advantages

Advantages

1.1,200 specialist recovery operators 

2.24-hour, 365 day breakdown cover 
3.Protected 25% no claims bonus


Disadvantages

Disadvantages

Website is confusing

Bell Car Insurance
Bell Car Insurance

ProviderAll carsYoung driversBell Car InsuranceGet a quoteAsk on applicationType

Cover Type

Car Insurance for young drivers


Level

Cover Level

Plug and Drive


Detail

Cover Detail

Plug and Drtive policy

OnlineSuitable For

Suitable For

Young drivers

Restrictions

Restrictions

Bell Car Insurance
Fantastic Plug & Drive black-box technology for young drivers. No curfews, monthly mileage limits and your premium will stay the same during the policy term due to your driving score. Most customers get a discount after 3 months of driving. DETAIL INFORMATION >>Services

Services

Black Box technology


Advantages

Advantages

1.No installation necessary 

2.Discounts available 
3.Late night driving possible


Disadvantages

Disadvantages

Minimum mileage is 1,900.

RAC Insurance
RAC Insurance

ProviderA valid UK registration numberAll driversComp and Third Party Fire and TheftGet a quoteAsk on applicationType

Cover Type

Comp and Third Party Fire and Theft


Level

Cover Level

Basic to Premium


Detail

Cover Detail

Comprehensive van Insurance
See website for practical benefits and features.
 
Third Party Fire and Theft
Great value basic van insurance with optional policy add-ons.

Online, TelSuitable For

Suitable For

Broad coverage or minimum cover by law

Restrictions

Restrictions

Ask on applicatio

RAC Insurance
Ever since its foundation in 1897, RAC has been consistently at the forefront in developing motoring services - from introducing uniformed patrols in 1901 and roadside emergency telephone boxes in 1912 right through to the present day when we boast the world's most advanced computer systems to deal with calls for roadside assistance. RAC Members enjoy access to an enormous range of motoring products and services throughout their driving lives, ranging from the familiar and much appreciated roadside assistance in the event of a breakdown to continually updated legal and technical advice and up-to-the-minute travel information. DETAIL INFORMATION >>Services

Services

1. 24 hour claims services.
2. 3 year guaranteed on all approved claims work.


Advantages

Advantages

1.Legal Expenses Insurance 

2.Guaranteed Replacement Vehicle 
3.Up to £500 of cover for tools


Disadvantages

Disadvantages

1. RAC charge an administration fee of £20 for certain services, for example, if you make changes to your policy after the first 14 days.
2. See Policy summary for exclusions.
3. You need to apply to find out the exact cost of the policy.
4. If you cancel more than 14 days after receiving your policy documentation we will charge you a fee of £35.00.
5. If they need to re-submit a request for payment to your bank you will have to pay a £20.00 payment default fee.  

Insuredaily.co.uk
Insuredaily.co.uk

ProviderCars and vansUK drivers between 19 and 75 yearsInsuredaily Temporary Car InsuranceGet a quoteAsk on applicationType

Cover Type

Temporary Car insurance


Level

Cover Level

Ask on applicatiopn


Detail

Cover Detail

Third Party, Medical, Liabality, Theft

OnlineSuitable For

Suitable For

For those who drive somebody else's car for a short period of time

Restrictions

Restrictions

Not for drivers ove 75 years old

Insuredaily.co.uk
Temporary Car Insurance is the best to be fully covered for a short period -for one day, a weekendor even up to a month! Both cars and vans are covered. InsureDaily give you the best rates for temporary car insurance - and we constantly review our prices to remain the most competitive. DETAIL INFORMATION >>Services

Services

Online application, fast claim centre


Advantages

Advantages

1.Instant cover from 1-28 days 

2.Policies for vans also available 
3.Competitive prices


Disadvantages

Disadvantages

Not for drivers older than 75 years old

Diamond Car Insurance
Diamond Car Insurance

ProviderAll carsWomen driversDiamond Car InsuranceGet a quoteDepending on policyType

Cover Type

Car insurance for women


Level

Cover Level


Detail

Cover Detail

Comprehensive policy which includes the following benefits as standard: Courtesy Car (whilst your car is under repair at one of Diamond's approved garages), 24 hr road side recovery helpline, up to £300 Handbag cover, up to £300 Child Car Seat cover and up to £1,250 audio cover or 15% of the value of your car, whichever is lowest

OnlineSuitable For

Suitable For

Women drivers

Restrictions

Restrictions

Only women

Diamond Car Insurance
Diamond offers Car Insurance specially designed for women. Our comprehensive product makes sure you have everything you need, including benefits you may not find elsewhere : Handbag cover and Child Car Seat cover both up to the value of £300 DETAIL INFORMATION >>Services

Services

Online quotes


Advantages

Advantages

1. Attractive extra covers 

2. Handbag Cover as standard 
3. Includes Child Car Seat cover


Disadvantages

Disadvantages

Prices not available on website

eCar Insurance
eCar Insurance

ProviderAll carsAll driversStandard, Pay As You Go, Short TermAvailable at £93.25 per monthFrom £75Type

Cover Type

Standard and Pay As You Go


Level

Cover Level

Comprehensive/Third Party, Fire or Theft/Third Party Only.


Detail

Cover Detail

Standard policy
Annual Cover with a Variety of Payment Options
 
Pay as you go policy
Monthly cover for people who only drive occansionally
 
Short Term Policy
Up to 28 days - ideal for weekends, short trips or test drives.

OnlineSuitable For

Suitable For

Variety of car insurance policies

Restrictions

Restrictions

See Policy Wording for exclusions

eCar Insurance
eCar enables you to manage your policy entirely online, 24 hours a day, 7 days a week. You are able to make mid-term adjustments, add drivers/riders, change vehicle details and more. Their car insurance policies come complete with Legal Expenses insurance and Breakdown Cover included. eCar are direct online sales sites from Southern Rock insurance Company Ltd. Please make sure that you read the terms and conditions of this insurance policy carefully before you apply. DETAIL INFORMATION >>Services

Services

1. Car insurance at competitive prices to suit your individual needs
2. There are no forms to sign. Once you take out a policy or make any amendments online they will send out the documents the next day by post.


Advantages

Advantages

1. Provide insurance to you directly.
2. Legal Cover included.
3. Breakdown Cover included.
4. European Cover included.
5. Multiple drivers and vehicles.
6. You manage everything online


Disadvantages

Disadvantages

1. Pay As You Go premiums are subject to a £7.50 a month administration charge.
2. Mid Term Changes to your policy will be subject to a £25 administration charge if the Additional Premium is over £20 or the Return Premium is over £35.
3. Refunds of less than £10 will not be allowed.
4. Cancellation charge of £75.

Insure Learner Driver
Insure Learner Driver

ProviderAll carsAll drivers between 17 and 40 years oldInsureLearnerDriverGet a quoteAsk on applicationType

Cover Type

Temporary car insurence


Level

Cover Level

Own or somebody else


Detail

Cover Detail

Damage to the insured vehicle due to an accident, 

Damage or loss caused by malicious damage, fire, theft or attempted theft, or vandalism, Up to £20 million cover for accidental damage to other peoples property, 
Legal obligations to third party claims for injury or damage to their property, 
Emergency treatment fees

OnlineSuitable For

Suitable For

If you learn to drive

Restrictions

Restrictions

Only if you are aged between 17 and 40

Insure Learner Driver
Temporary Car Insurance for Learner Drivers. Available are different policies to make sure you can learn how to drive a car in the knowledgte that you are fully covered should anything go wrong. You only have to fill in a few details online - and off you drive! DETAIL INFORMATION >>Services

Services

Online application


Advantages

Advantages

1.No effect on no claim bonus of car owner 

2.Easy online application 
3.Good cover


Disadvantages

Disadvantages

No info of costs on website

rescue my car
rescue my car

ProviderAll carsAll UK driversrescuemycar breakdown cover£17.90noType

Cover Type

Breakdown Cover


Level

Cover Level

National, at home, European


Detail

Cover Detail

Breakdown Cover

OnlineSuitable For

Suitable For

All drivers aged 18 and above

Restrictions

Restrictions

See website

rescue my car
Drive in peace of mind from just £17.90 - apply online and enjoy a benefits from one of the UK's leading insurance companies. Over 4000 independent breakdown recovery experts operating nationwide! Competitive prices and great service are guarantueed! DETAIL INFORMATION >>Services

Services

Online application and support


Advantages

Advantages

1. Additional options available 

2. Value for money


Disadvantages

Disadvantages

Restrictions might apply

ETA
ETA

ProviderCars and cyclesAll driversETAGet a quoteAsk on applicationType

Cover Type

Breakdown cover for all vehicles and cycle cover


Level

Cover Level

Essentials, Premium,Premium Plus


Detail

Cover Detail

Bicycles:• Covers bikes and permanently fixed accessories up to £5,000 • Covers theft and accidental damage • New-for-old replacement on claims • Third party insurance worth up to £1,000,000 • Worldwide cover should your bike be damaged or stolen abroad Breakdown:• National Recovery – we recover the vehicle from and to anywhere in Britain • Home Rescue – covers vehicles which breakdown within a mile of home • Hotel & Car Rental – offers a five day rental, including train tickets and hotel stay • Caravan Cover – this upgrade is essential if towing a caravan • Drop off and return – takes the customer home if the repair garage is closed and returns the customer to the garage the following day • Auto Repair - Covers the cost of parts and labour (up to £500) required to fix a breakdown attended by the ETA

OnlineSuitable For

Suitable For

Drivers of cars and bicycle owners

Restrictions

Restrictions

Ask on application

ETA
ETA cycle insurance ensure that we don’t include unreasonable exclusions in our policy and keep excesses to a minimum. ETA Brakdown cover offers a pick n mix style product; this enables customers to choose the level of cover to suit their needs. For every policy ETA sells a donation goes to the ETA Trust, founded in 1994 to campaign for a more sustainable, safe, and healthy transport future. DETAIL INFORMATION >>Services

Services

Free Legal advice


Advantages

Advantages

1.Large variety of covers
2.Free extra benefits
3.Travel Insurance available


Disadvantages

Disadvantages

Not all cycling accessories covered

Carole Nash Bike Insurance
Carole Nash Bike Insurance

ProviderMotorbikesUK driversCarole Nash Motorbike InsuranceGet a quoteAsk on applicationType

Cover Type

Full Motorbike Insurance


Level

Cover Level


Detail

Cover Detail

Accident and breakdown cover

OnlineSuitable For

Suitable For

All Motorbikes

Restrictions

Restrictions

Carole Nash Bike Insurance
Why do thousands of bikers choose Carole Nash? Our motorcycle insurance has loads of great benefits that you can enjoy with an insurance policy through Carole Nash.Just answer a few questions online to get a tailormade quote. DETAIL INFORMATION >>Services

Services

Online application,DNA+ Forensic Protection


Advantages

Advantages

1.Up to 90 days European Cover 

2.Unlimited bike accessory cover 
3.Legal protection


Disadvantages

Disadvantages

Info in costs only available after quote

Elephant Car Insurance
Elephant Car Insurance

ProviderAll carsUK driversElephant Car InsuranceGet a quoteAsk on applicationType

Cover Type

Car Insurance


Level

Cover Level

Ask on applicatiopn


Detail

Cover Detail

Full car Insurance with additional extras

OnlineSuitable For

Suitable For

All drivers

Restrictions

Restrictions

Only UK drivers

Elephant Car Insurance
We work hard to make your life easier. We believe car insurance should be quick, easy and most of all - reliable. This is why you just fill in your details online and then lean back and choose which quote suites you best! DETAIL INFORMATION >>Services

Services

Online application and claims service


Advantages

Advantages

1.Save over £235 

2.Stereo Cover 
3.Courtesy Car


Disadvantages

Disadvantages

Prices not clear from website

Debenhams Car Insurance
Debenhams Car Insurance

ProviderPrivate cars onlyAll driversComp, Third Party Fire and Theft and Third Party OnlyAvailable at £79.43 per month£100 - £500Type

Cover Type

Comprehensive Insurance


Level

Cover Level

3 Types - Comprehensive, Third Party Fire and Theft or Third Party Only


Detail

Cover Detail

Comprehensive Insurance
1. 24 hour insurance claims helpline
2. FREE windscreen repair
3. Courtesy car while yours is in repair following an accident (subject to availability)
4. New car replacement if your car is written off or stolen and not recovered within the first year of registration
5. Personal belongings - up to £100 (excluding cash)
6. Unlimited cover for factory fitted in-car audio equipment and up to £150 for self-fitted devices
 
Optional Extras
1. Legal Cover - up to £100,000
2. UK and European Breakdown Cover

OnlineSuitable For

Suitable For

Broad coverage or minimum cover by law

Restrictions

Restrictions

You must hold a valid UK Driving License

Debenhams Car Insurance
Debenhams can find a competitive price from a range of top car insurers for you and your car.  Benefits include 5% discount when you buy online, a courtesy car if yours needs repairs, free windscreen repair and up to £5,000 personal accident cover.  Also choose from optional extras such as breakdown cover for UK and EU. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. DETAIL INFORMATION >>Services

Services

Car Insurance for Private Cars


Advantages

Advantages

Great additional benefits offered
Website is informative and easy to navigate
Online application receives discount


Disadvantages

Disadvantages

All benefits are subject to terms and conditions
If you wish to pay in installments, you are charged additional (typical APR rate 26.8%) spread over the year
Only insure private cars

Towergate Caravan Insurance
Towergate Caravan Insurance

ProviderCravans, mobile homes, trailer tentsUK drivers over 18 years oldTowergate Caravan InsuranceGet a quoteAsk on applicationType

Cover Type

Vehicle Insurance


Level

Cover Level

Select,Choice,Green,Low Cost


Detail

Cover Detail

Breakdown, accidental damage, legal costs

OnlineSuitable For

Suitable For

Cravans,Motor Homes, Trailer Tents

Restrictions

Restrictions

Articles of a valuable nature cannot be covered for damage, see alsao website

Towergate Caravan Insurance
If you haven't heard of Towergate Insurance, allow us to introduce ourselves. We are a leading UK insurance intermediary, currently providing 2.4 million customers with a wide range of quality insurance products. We have been arranging caravan insurance for over 35 years so we understand what is important to you and have a wide range of policies you can choose between. Towergate Insurance has the experience and expertise you can count on. DETAIL INFORMATION >>Services

Services

Online application


Advantages

Advantages

1.Worldwide cover and RAC recovery whilst abroad 

2.Accidental damage and collision cover 
3. Friends and family towing cover 
4. Loss of use, up to 5% of sums insured 
5. Legal protection up to £100,000


Disadvantages

Disadvantages

Exclusions might apply

Admiral Car Insurance
Admiral Car Insurance

ProviderPrivate carsAll drivers from age 17MultiCar, Single CarAvailable for £673.55 per yearFrom £0.00Type

Cover Type

Comprehensive and optional extra


Level

Cover Level

Depends on policy type


Detail

Cover Detail

Comprehensive

Legal Expenses
Admiral's garage network
Windscreen repair
Drive other car
EU cover
Courtesy car
24 Accident Helplines
Personal Belongings Cover
Audio Equipment Cover
Third Party, Fire and Theft
Legal Expenses
Admiral's garage network
Windscreen repair OPTIONAL
Drive other car
EU cover
24 Accident Helplines
Audio Equipment Cover
Third Party Only
Legal Expenses
Admiral's garage network
Windscreen repair OPTIONAL
Drive other car
EU cover
24 Accident Helplines

OnlineSuitable For

Suitable For

From comprehensive to broader cover including MultiCar

Restrictions

Restrictions

Must be minimum age 17

Admiral Car Insurance
Admiral has been offering motor insurance quotes since 1993 and online car insurance quotes since 2000. Get a UK car insurance quote and you could save up to 10% on your online quote.  Admiral specialises in cheap car insurance quotes for drivers who often have to pay higher premiums, including people who drive performance cars, city dwellers and drivers with low No Claims Bonus. So if you’re looking for the cheapest car insurance, try Admiral. Please read the terms and conditions carefully. DETAIL INFORMATION >>Services

Services

Range of car insurance cover types


Advantages

Advantages

1. Price guaranteed for additional cars
2. £100,000 legal protection
3. £5,000 personal injury cover
4. Free guaranteed courtesy car while yours is repaired at an authorised garage
5. Up to £1,250 stereo cover for each car
6. Control your policy with flexible excess options
7. Free windscreen repair.


Disadvantages

Disadvantages

Website is 'busy' making it hard to get hard facts
Advertises MultiCar cover more than simple comprehensive cover
 

Saga Car Insurance
Saga Car Insurance

ProviderSeperate Cover

All drivers over 50

Comp, New for Old Cover, EmergencyFrom £12.50 a monthFrom £50Type

Cover Type

Comprehensive cover, New for Old Cover, Emergency


Level

Cover Level

Depends


Detail

Cover Detail

Up to 20% online discount* – 21% of people would have received an introductory and online discount totalling 20%, Saga survey of new business quotes January 2010 Comprehensive cover from just £12.50 a month – in fact 20% of new customers who took out a policy with us between November 2009 and February 2010 pay this or even less Comprehensive cover when driving in the EU with no limit on the number or duration of trips Replacement car for up to 14 days whilst yours is being repaired by one of our approved repairers following an insured incident in the UK

New for old cover on cars less than two years old where you are the first registered keeper (12,000 mileage restriction for the second year)
Emergency ‘any driver’ cover – anyone with a full licence can drive your car in a medical or motoring emergency providing you are also in the vehicle
Vandalism cover – your No Claim Discount will not be affected following a claim for damage caused by vandals.

Online, telephoneSuitable For

Suitable For

Drivers over age 50

Restrictions

Restrictions

Must be over 50
Must have full UK driving licence (no provisional)

Saga Car Insurance
Save up to 15% if you apply online for Saga Insurance.  Enjoy benefits like comprehensive cover from just £12.50 per month and cover whilst driving in the EU - and there is no limit on the number or duration of your trips!  Drivers over 50 make fewer claims and this is reflected in your Saga premium. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company. DETAIL INFORMATION >>Services

Services

Comprehensive cover
Breakdown assistance


Advantages

Advantages

1. Up to 15% online discount ? *39% of people would have received an introductory and online discount of at least 15% - Saga Survey of new business quotes, September 2010
2. Comprehensive cover from just £180 a year ? in fact 14% of new customers who took out a policy with Saga between August 2010 and September 2010 paid this or even less.
3. Comprehensive cover when driving in the EU with no limit on the number or duration of trips
4. Replacement car for up to 14 days whilst yours is being repaired by one of our approved repairers following an insured incident in the UK
5. New for old cover on cars less than two years old where you are the first registered keeper (12,000 mileage restriction for the second year)
6. Emergency ?any driver? cover ? anyone with a full licence can drive your car in a medical or motoring emergency providing you are also in the vehicle
7. Vandalism cover your No Claim Discount will not be affected following a claim for damage caused by vandals.


Disadvantages

Disadvantages

Over 50s only
Temporary additional drivers cost £13 plus £10 per transaction
No cover for people with provisional licence

eBike Insurance
eBike Insurance

ProviderBikeAll driversStandard, Classic, Pay As You Go MonthlyDependent on Policy and CoverAsk on applicationType

Cover Type

Standard and Pay As You Go


Level

Cover Level

Comprehensive/Third Party, Fire or Theft/Third Party Only.


Detail

Cover Detail

Standard Annual Policy
Offers outstanding cover and flexibility.
1. Cover up to 4 riders on 4 different bikes at excellent rates.
2. Suspend your policy and benefit from Fire and Theft cover when you are not using your bike; providing it is garaged at your home address.
3. 365 days cover in the European Union.
4. Maximum No Claims Discount guaranteed for life.
5. Rates available for Fast Food Delivery Riders and Couriers.
 
Classic Bike Policy
For the serious classic enthusiast.
1. Cover up to 4 riders on your classic bike.
2. Agreed value cover available for comprehensive policy holders.
3. No limited mileage restrictions.
4. Quotes provided for commuting use.
5. Maintain your policy on-line.
 
Pay As You Go (PAYG) - Monthly Policy
Purchase cover as and when you need it - on a monthly basis for a monthly premium.
1. You can purchase cover one month at a time and then switch it off when it's not required. 
2. A renewal notice will be sent shortly before the expiry of the policy
3. Cover up to 4 riders on 4 different bikes at excellent rates.
4. Earn 1 year's No Claims Discount for only 8 months claim free cover.
5. Maximum No Claims Discount guaranteed for life.

OnlineSuitable For

Suitable For

Variety of bike insurance policies

Restrictions

Restrictions

See Policy Wording for exclusions

eBike Insurance
eBike offer three bike insurance policies; Standard Policy, Classic Policy and Pay As You Go Policy and allows you to manage your policies entirely online. You can obtain a quotation and buy it 24 hours a day, 7 days a week. You are also able to make mid-term adjustments, add drivers/riders, change vehicle details and much more. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information contact the company. DETAIL INFORMATION >>Services

Services

1. Protected NCD for life.
2. NCD Accelerator.
3. Breakdwon Cover included.
4. Helmet and Leathers.
5. European Cover included.
6. Legal cover included.
7. Multiple Bikes and Riders.


Advantages

Advantages

1. You can manage your policy online, 24 hours a day, 7 days a week.
2. Provide insurance to you directly.
3. Breakdown cover included.
4. European cover included.
5. Leagl cover inlcuded.


Disadvantages

Disadvantages

1. Pay As You Go premiums are subject to a £6 a month administration charge. 
2. Mid Term Changes to your policy will be subject to a £15 administration charge if the Additional Premium is over £20 or the Return Premium is over £25.
3. Refunds of less than £10 will not be allowed.
4. Cancellation charge of £75

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Compare Vehicle Insurance

Vehicle insurance is a legal requirement in the UK so make sure you have the right policy in place before you take to the roads.

Why do people need insurance?

Insurance is a form of risk management. When you take out an insurance policy you are protecting yourself against the possibility of financial loss. By purchasing insurance you transfer the risk to someone else in exchange for a payment which is known as the premium.

Insurance is necessary because no one can predict the future. If you suffer a loss, insurance can help you get the compensation you need. Insurance gives you the peace of mind that should the unexpected happen you are financially secure.

What is Vehicle Insurance?

If you want to drive on public roads in the UK then by law you are required to have insurance. Vehicle insurance will cover you for any losses that you may have incurred from an accident. It protects you, your vehicle and other motorists against liability in the event of any accident and it is used to provide financial compensation to cover any injuries cause to people or their property.

Types of Insurance Cover

Third Party Only cover is the legal requirement which ensures compensation is available to other people, including your passengers from an accident caused by you. Most insurance companies offer additional levels of cover that offer more than what is required by law. You can get Third Party Fire and Theft cover which also insured you should your vehicle by damaged or stole. Comprehensive cover is also available which covers you should your vehicle be damaged in accident. There are many optional extras which can be added to Comprehensive cover which can include courtesy cars while your car is being repaired, legal expenses and breakdown cover.

How much will it cost?

The exact amount you will pay for your vehicle insurance depends on a number of factors. Not only will it depend on the insurer and policy you choose but it will also depend on what type of vehicle you want to insure and how old it is. You will find that the older your car the more you will pay for the insurance because it is more likely to need work done to it. Whether or not your vehicle has certain safety features such as air bags and alarms will also affect the price.

Insurers will also look at the driver to decide how much you will pay for the insurance. They will look at your age, sex and whether or not you have a history of making claims. Young drivers are likely to pay more for insurance because they are statistically more likely to be involved in an accident.

To keep prices down make sure you are not paying for any extras that you do not need but remember that the cheapest insurance is not necessarily the best because it is likely to provide the least amount of cover.

Finding the right car insurance policy

Whatever type of car insurance you need, it is important that you take the time to research the market. You can compare some of the leading insurance providers in the table above.

You should find a policy that suits you and as well as standard polices there are more specialised ones available. For example there are insurance policies especially geared towards young drivers, women, over 70s and for those people who do not drive that often. You can also get insurance for specialist, vintage or classic cars.

When it comes to vehicle insurance you need to make sure have the right mix of coverage and price. Choose a policy where you can tailor it to suit you and your insurance needs. Always make sure you read the terms and conditions fully before you apply.

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