Yes, it’s a legal requirement in the UK to have at least third-party car insurance in place before driving a car.

It’s essential to arrange cover before picking up your new vehicle.

Some standard policies may cover commuting to a single workplace.

However, if you use your car for other work-related activities, you might need a business use policy.

The excess is the amount you have to pay towards a claim you make on your car insurance.

There’s usually a compulsory excess set by your insurer, and a voluntary excess that you choose yourself.

Yes, most policies allow you to add additional drivers.

However, who you add and their driving history can affect your premium.

Most, but not all, car insurance providers offer a No Claim Discount.

This discount rewards you for each year you do not make a claim on your policy.

Yes, you can.

However, having points on your licence may increase your car insurance premiums as insurers may see you as a higher risk.

Several factors can affect the cost, including your age, driving history, type of car, location, and how you use the car.

Insurers consider all these factors to determine the risk of you making a claim.

This depends on your personal preference.

Buying online can be quicker and often allows you to easily compare policies.

However, a broker can provide advice and may have access to deals not available online.

The best way to find the most suitable policy for your needs is to compare different insurance providers.

Look at the coverage each policy offers, its customer service ratings, and its price.

You can use our ‘Get a quote’ tool to compare policies.

In the UK, there are three main types of car insurance cover:

Fully Comprehensive, Third Party, Fire and Theft, and Third Party Only.

Fully comprehensive offers the most coverage, including damage to your own vehicle, whereas Third Party Only covers damage or injury you cause to others.