Car insurance you can
always rely on

Yes — it's illegal to drive without at least third-party car insurance in the UK. You can face an on-the-spot fine of £300 and six penalty points, and if taken to court you could receive an unlimited fine or driving ban. The only exception is if your car is declared SORN and kept off public roads.

There are three levels of cover. Third-party is the legal minimum and covers damage or injury you cause to others, but not your own car. Third-party, fire and theft adds protection if your car is stolen or damaged by fire. Comprehensive is the highest level of cover and also protects your own vehicle — and is often not much more expensive than the other options, so it's worth comparing all three when getting a quote.

Sometimes referred to as a no-claims discount, a no-claims bonus is a reward given to drivers who haven’t made a claim on their motor insurance policy during a 12-month period. Each claim-free year increases this discount, usually up to 70% after 6 consecutive years.

Your excess is the amount you agree to contribute towards any claim. There are two types — a compulsory excess set by your insurer, and a voluntary excess you choose yourself. Increasing your voluntary excess will usually reduce your premium, but make sure you can afford to pay it if you need to make a claim. Your total excess is the two figures combined.

If you only commute to a single place of work, social and commuting cover is sufficient. If you travel to different locations for work — visiting clients, attending meetings, or making deliveries — you'll need to add business use to your policy. Not declaring business use when you need it could invalidate a claim.

Yes. Provided the other drivers meet our acceptance criteria, you can usually add up to four named drivers. However, if you have a lot of additional drivers and they’re all aged over 25, you will probably need cover for any driver.

Bear in mind that the main driver must be the person who uses the car most — listing someone else as the main driver to reduce the premium is known as fronting and is a form of insurance fraud.

Not usually. Some comprehensive policies include driving other cars (DOC) cover, but this typically only provides third-party protection and comes with conditions — such as having the owner's permission. Always check your policy documents before driving another vehicle, as driving without valid cover is illegal.

Your policy could be invalidated if you provide inaccurate information — such as your address, job title, mileage, or where the car is kept overnight. Other common causes include not declaring modifications, letting an unlisted driver use the car, or driving with an expired MOT. Always keep your details up to date to make sure you're fully covered.

Yes — we offer monthly payment options so you can spread the cost of your car insurance rather than paying annually upfront. Monthly payments are arranged through a finance agreement, so a credit check may be required. Speak to our UK-based team on 0345 222 6318 to discuss your options.

We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.

You can verify our status directly on the FCA register.