As the UK’s first and longest-running comparison site, Confused.com are dedicated to saving you money, and they’ve got lots of experience in helping drivers like you.
Whether you’re a new driver buying insurance for the first time or a seasoned pro looking to beat your renewal, Confused.com work hard to find you the best car insurance quotes with no fuss or confusion.
Don’t worry if you’ve already had your renewal offer. It doesn’t take long to get a new quote and you could save up to £254*. They even guarantee to beat your renewal price(3).
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (June ’21). 51% of car insurance customers could save £254.66.
3. Must be a like-for-like policy. T&Cs apply.
“Confused.com did fine, gave me plenty of good value insurers. That cut my insurance by £250! Well pleased.”
Antony – Confused.com customer (May 2020)
“I saved over £100 on my renewal quote by switching to another insurance company based on a recommendation from Confused.com”
Simon – Confused.com customer (June 2021)
Typically it’s cheaper to pay for insurance in one go. Opting to pay monthly via direct debit could end up costing you over 15% extra (based on Confused.com data December 2020 -January 2021).
When you get quotes through Confused.com, you’ll usually see ‘soft searches’ on your credit report. These are nothing to worry about. They’re only visible to you and don’t affect your credit rating. A ‘soft search’ is usually just used to confirm your identity.
The only time you’ll see a ‘hard’ search on your credit history is if you choose to buy car insurance and pay for it monthly. This is because the monthly payment is paid over a contract period, usually 12 months, and the insurer needs to check you’ll be able to cover the cost over the length of the policy.
This is the amount you’d have to pay in the event of a claim, in addition to any compulsory excesses set by the insurer.
If you have a pickup and you’re looking for insurance, you’ll need to go to the van insurance page to get a quote. This is because 4x4s are generally classified as cars and pickup trucks aren’t. This is due to their longer wheel base and the fact they often exceed 3.5 tonnes.
A no-claims bonus (NCB) is the number of years that you haven’t claimed on your car insurance policy. Insurers offer discount for each year you haven’t claimed. The more years you have, the bigger the discount as you’re less likely to claim in the future.
Most insurance companies will only accept your NCB if you’ve earned it as a policyholder of a privately insured car.
When getting a quote, please enter your total NCB years as 0. It’s best to check with your chosen insurer before buying the policy to see if they’re able to accept any NCB from a company car.
Your job title, the industry you work in and your employment status will affect the price of your quote. This is because insurers use your occupation as a rating factor, and people in certain professions are seen as riskier than others.
If you can’t find your exact job title, it could be listed under a similar description instead. For example, if you’re an IT manager, try entering ‘computer’ or ‘manager’ to see if another option fits the bill.
If you’re worried that your choice doesn’t describe your job properly, don’t be. You’ll be able to confirm it with your insurer before you go-ahead and buy.
Generally, yes – the price of your quote will change if you alter the annual mileage.
Your mileage is considered by insurers when calculating your price. Make sure you’re as accurate as possible, as underestimating your mileage could invalidate a future claim
If you know on average how many miles you drive per week, you can get an estimate by multiplying that figure by 52 to get a yearly figure.
Or if you’ve had your car for a year or more, you can compare the mileage on last year’s MOT document to this year’s. If you don’t have the documents to hand, you can use the GOV.UK MOT checker to find the details.
There are some rule changes you need to be aware of since the UK left the EU. You’ll need to apply for a green card at least one month before you travel, this acts as proof of your insurance while you’re abroad.
If you have a standard 12-month car insurance policy in the UK, you’ll usually be covered to drive in some European countries for up to 30 days. The countries that are covered and the level of cover you have may have changed since Brexit.
This can change depending on the insurer offering you a quote. For example, some quotes expire the same day you get them, and others can last longer.
You can find the expiry date for each quote below the annual or total price.
Unless you tell them otherwise, most insurers will automatically renew your policy. The cost of insurance goes up and down, so don’t just accept the first price you’re offered, shop around for cheaper prices on your car insurance.
Here’s 10 things you can do that could help you pay less for your car insurance:
Adding a named driver can lower prices. But remember, you should always list the person who drives the car most often as the main driver, and any occasional drivers as additional. Otherwise this is known as fronting, which is illegal.
Increasing your voluntary excess will change prices as you’re willing to a pay more towards any claims. Be sure to consider any compulsory excess listed on a policy as you’ll need to pay the total amount if you make a claim.
Build up your no-claims bonus (NCB) to shave pounds off your premium. Some insurers might ask you for proof of your NCB, you should be able to get this from your previous or current insurer.
Pay annually if you can. Most insurers will charge interest or an admin fee if you choose to pay monthly and could end up costing you over 15% extra(2).
Watch out for unnecessary add-ons, such as breakdown cover or legal assistance, as this will increase the cost of your quote. Only choose the add-ons you need.
Picking the correct job title will lower prices as insurers use your occupation as a rating factor when calculating the price of your insurance.
Buy your policy early to get the cheapest price. Our data shows the later you leave it, the more you pay for your insurance. We think the best time to buy your car insurance is around 3 weeks before your renewal.
Compare different levels of cover, the most basic cover doesn’t necessarily make it the cheapest. In fact, comprehensive policies can often be cheaper even though you get a higher level of cover.
Think about how you use your car and pick the cover that matches your needs. Social use, social & commuting and business use offer different levels of cover depending on how you use your car.
Be accurate with your mileage so you’re only paying for miles you’re driving. The average yearly mileage is around 7,000 , but think about the types of trips you do and how often you do them. You can even check the mileage between your last MOTs to see how many miles you drove in the last 12 months.
2.Based on Confused.com data December 2020 – January 2021