Compare car insurance providers
The short answer
Use the same truthful information for every quote. Have your vehicle registration, drivers’ details, claims history, use and realistic mileage ready; then compare the total price and cover, not only a monthly figure.
Vehicle details
Check the exact vehicle, trim, ownership, registered keeper and purchase date. Tell the insurer about modifications and any facts it asks for.
- Confirm the registration resolves to the correct model.
- Describe security and overnight parking accurately.
Driver information
Prepare licence details, driving experience, occupations, claims and convictions for every driver. Answer the question asked and its time period.
- Identify the real main driver.
- Do not guess a cheaper occupation that misrepresents your job.
How the car is used
Estimate annual mileage from real travel, previous records and expected changes. Include commuting, business trips or deliveries when relevant.
- Specify the date and time cover must begin.
- Have no-claims proof available.
Record each quote
Save the reference, expiry date, insurer or intermediary name, cover tier and total payable. Discounts and prices can change before purchase.
- Compare excesses, exclusions and extras.
- Check whether instalments involve interest or a separate credit agreement.
Before you decide
- Gather documents before starting.
- Keep a copy of the answers supplied.
- Check the completed policy immediately after purchase.
Frequently asked questions
Can I estimate mileage?
Use an honest, reasonable estimate. Tell the insurer if circumstances materially change.
Is a quote a guarantee of cover?
No. You must complete the purchase and satisfy the provider’s terms. Check the confirmed start date.
Sources and further reading
Prepared by CompareDirect using the sources above. Policy eligibility, cover and claims depend on the provider’s current documents and your circumstances.
Before you buy
Our car insurance listings compare provider features and quote destinations, not personalised premiums. Check the exact product, eligibility, excesses and full terms on the provider’s website. Nothing here is a personalised insurance recommendation.
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- Named drivers, main drivers and fronting
- Car insurance policy documents: what to check
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