Moneyfacts Star Rating: 5 Stars
Insurance is simple when it’s me and LV=
*99.45% of direct motor claims paid Sep '22 - Aug '23
**Discounts are applied individually for each car
Moneyfacts Star Rating: 5 Stars
Freedom Brokers prides itself on straightforward, uncomplicated insurance with a first class claims service. You can choose from a range of easy-to-add car insurance policy upgrades, including breakdown cover, excess protection, legal expenses and replacement vehicle hire.
Compare 110+ providers & save up to £490*
*51% of consumers could save £490.26 on their Car Insurance based on representative cost savings from June 2023 data.
Moneyfacts Star Rating: 5 Stars
Moneyfacts Star Rating: 5 Stars
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The list of car insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.
Our independent and impartial star ratings provide consumers with an expert view of the whole market. Customers use our star ratings as an honest and reliable way to identify the products and providers that offer the best benefits.
The many factors we look at to determine star ratings include:
Click the headings below to see the full list of star ratings awarded.
1st Central - 1st Central Connect
1st Central - 1st Central Legal
1st Central - 1st Central Online
1st Central - 1st Central Plus
1st Central - 1st Central Premier
1st Central - Private Car
AA - Car Insurance AA Members
AA - Car Insurance Non Members
Admiral - Admiral Gold
Admiral - Admiral Platinum
Admiral - Car Insurance
Admiral - LittleBox
Admiral - MultiCar
Admiral - Plug & Drive
Adrian Flux - Adrian Flux Telematics
Age Co - Motor Insurance
Ageas - Car Insurance
Ageas - Private Car
Aviva - Motor Insurance
Aviva - MultiCar Insurance
Aviva - Online Motor Insurance
Aviva - Online Premium Motor Insurance
AXA Direct - Plus Car Insurance
AXA Insurance - Car Plus
BEAM - Car Insurance (Members)
BEAM - Car insurance (Non-Members)
Bell - Plug & Drive
Brightside - Car Insurance
By Miles - Car Insurance
Churchill - Car Insurance
Churchill - Car Insurance Plus
Churchill - DriveSure Car Insurance
Confidas - Motor Lux
Confidas - Motor Max
Co-op Insurance - Motor Car Insurance
Diamond - Car Insurance
Direct Line - Car Insurance
Direct Line - Car Insurance Plus
Direct Line - DrivePlus Car Insurance
Direct Line - Select Premier
Elephant - Car Insurance
esure - Car Insurance
First Alternative - Car Insurance
Forces Mutual - Car Insurance
Ford Insure - Car Insurance
Geoffrey Insurance - Car Insurance
Hastings Direct - Hastings Direct Car Insurance (XA)
Hastings Direct - Hastings Direct YouDrive
Hastings Direct - Hastings Premier Car Insurance (XA)
Hedgehog - Private Car
iGO4 Insurance - iGO4 Classic
iGO4 Insurance - iGO4 Electric
iGO4 Insurance - iGO4 More
insurePink - Car Insurance (XA)
John Lewis Finance - Car Insurance
LV= - Car Insurance
LV= - Flow Annual Car Insurance
M&S Bank - Premier Car Insurance
Mercedes-Benz Insurance - Motor Insurance
MINI Insurance - Flex Car Insurance
MORE TH>N - Car Insurance
MORE TH>N - Car Insurance Essentials
MORE TH>N - Car Insurance Extra
MORE TH>N - Low Miler
NatWest - Premier Motor Insurance
NFU Mutual - Car Policy
People’s Choice - Car Insurance (XA)
Police Mutual - Car Insurance
Police Mutual - Family Car Insurance
Police Mutual - Narpo Gold
Privilege - Car Insurance
Privilege - Car Insurance Plus
Privilege - DriveXpert Car Insurance
Provident Insurance - Car Insurance
RAC - Car Insurance Plus
RAC - Pay By Mile
RIAS - Car Insurance
Royal Bank of Scotland - Premier Motor Insurance
Saga - Saga Plus Motor Insurance
Saga - Saga Select Motor Insurance
Saga - Saga Standard Motor Insurance
Sainsbury’s Bank - Car Insurance
Sainsbury’s Bank - Car Plus
Seat - Car Insurance
Sheilas’ Wheels - Car Insurance
Skoda - Car Insurance
smart - Motor Insurance
Swiftcover - Swiftcover Plus Car Insurance
Swinton Insurance - Premier Car Insurance
Tesco Bank - Car Insurance
Volkswagen Insurance - Car Insurance
Admiral - Admiral Essential
Ageas - Optima Plus
Audi Insurance - Car Insurance
AXA Direct - Car Insurance
AXA Insurance - Car Insurance
AXA Insurance - Car Insurance (NI Only)
boom - boom Plus
Budget Insurance - Private Car Policy
Carole Nash - Six Wheel Insurance
Covéa Insurance - Private Car
Darwin - Car Insurance
Dial Direct - Car Insurance
Dial Direct - Premier Car Insurance
Drive like a girl - Private Car
Endsleigh - Endsleigh Loop
Fish Insurance - Car Insurance
General Accident - Car Insurance
General Accident - Telematics Car Insurance
Go Girl - Private Car Insurance
Got2Insure.com - Motor Insurance
Halifax - Car Insurance
Hughes Insurance - HughesDrive
Insure 2 Drive - Private Car Insurance
Insurethebox - Private Car
Lexus Insurance - Motor Insurance
Lifesure Group - Motor Insurance
LV= Broker - Clear Car Insurance
M&S Bank - Standard Car Insurance
Marmalade - Black Box Insurance
Moja - Moja
MORE TH>N - Smart Wheels Car Insurance
Policy Expert - Gold Car Insurance
Porsche - Car Insurance
Post Office Money - Over 50s Car Insurance
Prestige Underwriting - Prestige Drive NI
Quotemehappy.com - Plus Car Insurance
RAC - Black Box Insurance
Santander - Car Insurance
Swiftcover - Swiftcover Car Insurance
Swinton Insurance - Classic Car Insurance
Tesco Bank - Box Insurance
Toyota Insurance - Motor Insurance
Vitality - Car Insurance
WiseDriving - Intelligent Car Insurance (App and Device)
WiseDriving - Intelligent Car Insurance (Black Box)
WiseDriving - Intelligent Car Insurance (Self-Install)
Yoga Insurance Services - Car Insurance
Yes, you can use a comparison site and the car’s registration details to find out how much this might cost to insure if you go ahead and buy the car. Sometimes when you a buy a car from a dealer it will come with seven days’ free insurance.
Each insurer will state how long their car insurance quote is valid for. Some insurance firms choose to update their pricing as and when required, while others allow for quotes to be valid for a set number of days. Quotes can be valid for 30 days or up to 90 days. If you obtain a quote and then need to make a change, this can also change the price you are quoted.
The cost of your insurance will depend on your own personal circumstances, your vehicle, where you live and then a range of elements that affects the insurers total costs such as the level of claims, insurance tax and the number of personal injury claims.
Penalty points and previous accidents or moving to an area with higher levels of crime can all increase your insurance premium.
Insurance customers that do not shop-around can find that their renewal quote creeps up year after year. While auto-renewing is convenient and can help to make sure you are not accidentally uninsured it could cost you more money. This is because of a practice called ‘price walking’ where insurers creep up their renewal prices despite there being no change in the customer’s risk profile.
The Financial Conduct Authority (FCA) identified 6 million policy holders that were paying high or very high amounts for their insurance policy (across home and car insurance) in 2018. The regulator has stopped price walking from 2022 from when car insurance providers have had to offer the same prices to new customers as they do for existing ones. Those wanting the cheapest car insurance still need to be vigilant and continue to shop around for the best insurance deals as prices will still differ between providers.
Research from moneysavingexpert shows that the best time to get insurance quotes is between 20 to 26 days before your policy expires. Their research suggests that insurers include the amount of time allowed for getting car insurance quotes as a risk indicator. Those that leave it to the last-minute pay more for their car insurance on average.
Some insurers offer discounts for insuring multiple cars with them. You should still shop around to compare the premiums.
If you pay your insurance monthly, you will usually be charged interest on the total quoted for your car insurance policy. This is because the insurer is lending you the money to pay for the policy upfront and you are then paying back this debt to the insurer. If you can pay upfront this will save you interest costs. If you need to pay monthly then check the interest rate you will be charged and include this when you compare the cost of car insurance quotes.
Getting a car insurance quote too soon or too late could cost you extra pounds according to research conducted in 2019 by moneysavingexpert. This showed that the lowest car insurances rates available through insurance comparison sites was between 20 to 26 days before your policy is due to start.
Insurers base their pricing on risk, and this includes your driving history, location and vehicle type along with other factors.
The research from moneysavingexpert suggests that insurers also use how much time you allow to get a quote before your policy start date as a risk indicator. Those who plan ahead allowing about three weeks before their policy start date are seen as less of a risk than the equivalent applicant requesting a quote closer to their start date.
The best insurance policy should combine a competitive price, product features and cover that you need with a good experience if you should need to make a claim. Before you start to search price comparison sites, you should have a look at review and ratings to see which insurers have a good reputation.
We’ve listed above those car insurers and their specific policies that have been recognised by Moneyfacts with a four- or five-star rating – this is based on their product features. This will help you to apply directly to those insurers that offer good quality car insurance policies.
Review sites can also be a good source to find out people’s experiences of claiming through a car insurance company.
Once you have an idea of those insurers that should meet your needs in terms of a good quality product and a positive claims experience you can then look for the lowest price either directly, using our table above or through a comparison site.
Younger drivers can often lower their insurance premiums by using a tracking device in their vehicle, this monitors their driving speed and style, as well as the times of day or night that they drive. A score is then applied and if this is good there is the potential for a lower rate at renewal. Sometimes this ‘black box’ insurance policies also restrict when you can drive, for example after 10:00 at night.
When you get a car insurance quote, the insurance provider will run a soft credit check to check your details. They will only perform a full credit check if you decide to pay for your insurance monthly. This is because when you pay for your insurance monthly you are in fact borrowing the full cost of the premium from the insurer and then paying this back each month. This means you are also usually charged interest on the monthly payment too.
A soft search to check your identity does not have an impact on your credit score, you will only see an affect on your credit score once a hard check is made if you decide to pay for your policy monthly.