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Are you being overcharged?

In 2019, the FCA (the UK's insurance watchdog) reported that 6 million home and car insurance policyholders are being overcharged by an average of £200 - this is just because they are loyal customers. Elderly and vulnerable people are worst hit by this unfair practice and some people are being charged £1000 more than they should be by greedy insurance companies.

This is shocking and it is important to find out if you are affected. We can show you how much you should be paying today with the help of industry leading price comparison site uSwitch Click the button below, get a quick quote and see if you are being overcharged.


Car Insurance can cost an awful lot of money and choosing from all of the options available might seem hard. So here is everything we think you need to know in order to help you to get a great deal.

Remember that Car Insurance is a legal requirement

Every motorist is required by law to have insurance for their vehicle, providing cover for the driver in case of driving-related damage or injury.

Car Insurance is a legal requirement

What cover do you need?

There are four main types of car insurance available in the UK and you should always make sure that the policy you are applying for has the right level of cover and features that you require. These four main types are as follows;

  • Third Party - Third Party car insurance is basic cover that essentially covers everything except the driver and the car itself. This insurance policy covers losses to the third party only i.e. any person who makes a claim against you due to an accident that was your fault. If you or your car incur costs as the result of an accident that was your fault then those costs will not be covered. As a result, this sort of insurance was considered to be the most appropriate cover for vehicles of little value.
  • Third Party, Fire & Theft - This type of insurance does what it says. It covers the third party in the same way as Third Party Insurance but it also covers your car for costs as a result of a fire or a theft. Simple.
  • Comprehensive - You may hear this called "fully comp" as well but its the same thing. This type of insurance builds on the others and offers you additional cover for any damage to your own vehicle and it also covers you as the driver. As the name implies, this is designed to cover you as the driver comprehensively. In recent years this has become the most common sort of insurance sold and the costs of this can be very competitive with other insurance types even though this offers better cover.
  • Telematics or black box policies - This type of insurance is the most recent type to come on the market. It relies on using a black box fitted to your car or a mobile phone app to monitor how you drive and then it will calculate your premium. If you drive more safely than the typical driver then you should see a lower premium as a result of using this sort of policy.

When you are looking for a deal its useful to know the factors that most affect the premium you are going to pay.


Insurers will take into account many different factors when calculating your car insurance premium.

  • The type of vehicle - If you have an expensive or high performance vehicle it will probably be in a high insurance group and that means you may have to pay more for your premium. If you want to keep the costs down then choose a car with a low insurance group. Car insurance groups range from 1 to 50 with 1 being the lowest and therefore the cheapest to insure. The difference between insuring a low and high group car could be hundreds of pounds.

  • Your age - Younger drivers will usually have to pay more for insurance, as statistically they are more likely to make a claim. If you are young then adding an older and more experienced driver to your policy might get your premium down a bit.
  • Your occupation - Particular jobs could raise your premium such as chefs, entertainers, bodyguards and circus workers. Others can lower your premium like accountants, lawyers, nurses, plumbers and programmers.
  • How you use your vehicle - How often you use your car, how many miles you drive and when you decide to travel can have an effect on how much you pay. So travelling long distances, every day, at rush hour times will bump up your premium because more accidents happen in heavy traffic.
  • Your driving history - As you can imagine, if you have a history of making claims against your motor insurer then you are going to get charged more by your next motor insurer as you represent more of a risk. If you have any prior motoring convictions then that will be seen by insurers as a sign of how safely you tend to drive. As a result they are very likely to put the price of your insurance up.
  • Whether you choose a voluntary excess - If you get the choice then opting for a higher voluntary excess (the amount you pay personally in the event of a claim) could lower your premium.
  • Where you live - If your house is in an area where there has been a lot of vehicle thefts or other vehicle crime then your premium will probably be higher.