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Moneyfactscompare.co.uk has been providing comprehensive comparison charts to the public for over 25 years. Start your search below for the best care insurance cover for 2025. Companies featured include: LV=, Co-Op Insurance, Saga, Admiral, Swinton, Marshmallow, Carole Nash and By Miles.

Featured car insurance providers

Last updated: 01/04/2025

LV=
Insurance is simple when it’s me and LV=

Highest quality Moneyfacts 5 Star rated cover for Car insurance

We pay out on 99% of claims*

With our multi car insurance you'll save 12.5% on every car you add to your policy**

Tailor your cover with optional extras
_{*99.58% of direct motor claims paid Feb'24-Jan'25}
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Co-op Insurance
Your car deserves Co-op Comprehensive Car Insurance

Co-op Members get an exclusive price*

24-hour accident recovery service

We offer No Claims Discount**

Key Protection - If we need to replace the locks on your car because of key theft, you’ll keep your No Claims Discount

Windscreen repair - We’ll fix your windscreen if it’s been damaged

Terms, conditions, and exclusions apply

^{*Member discount applied if matched during quote process. Membership offer is not available on optional extras (e.g. breakdown, enhanced courtesy car and motor legal expenses).}
^{**Discount can’t be used on another policy at the same time and might be reduced while a claim is ongoing even if not your fault.}
^{Car Insurance is offered through Co-op Insurance Services and provided by a select panel of insurers.}
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Saga
Park your car insurance with SAGA

Steer clear of price rises – choose Saga Plus and we’ll lock the cost for 3 years if nothing changes. T&Cs apply. You can cancel any time without paying a fee.

Moneyfacts 5 Star rated – Saga Car Insurance is one of the top products out there.

Always room to manoeuvre – 3 Comprehensive cover levels to choose from, for people over 50.

99.5% of claims paid in 2024 – plus a guaranteed courtesy car while yours is at an approved repairer after a UK accident.
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Admiral
Admiral Insurance

Windscreen Repair - Policyholders are eligible for the repair and replacement of windscreens (excess applies).

Courtesy Car - Use of a courtesy car whilst your car is being repaired at an Admiral approved garage.

European Cover - Up to 90 days cover in Europe

Stereo Cover - Unlimited cover for standard sound systems.

£5,000 Personal Injury Cover - Get £5,000 of personal injury cover for you and your partner.

Sat-Nav and Personal Belongings Cover - If your personal belongings or effects are damaged or stolen while in your car, we'll pay up to £150.

24 Hour Emergency Helpline
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Swinton
Swinton Insurance aim to make it simple to choose car insurance

Why consider Swinton when insuring your car?

Repairs covered —Comprehensive policies cover repair costs up to the market value of your car.

Market-value pay-outs — If your car is damaged or a total loss due to fire or theft, your insurer will pay out up to the market value of your car.

Windscreen Cover — Windscreen Cover is included in Comprehensive policies.

Extensive experience — They have over 65 years of industry experience.
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Marshmallow
Marshmallow Insurance

Pick from a range of plans to suit your needs and budget.You can also choose to spread the cost across smaller monthly payments, select your own payment date and add on any extras.

Manage your policy and update your details on-the-go, at any time of day. You can also start a claim, start a Live Chat, and make changes to next year’s cover in seconds

Over £200 million paid out in claims

24/7 Accident phone line
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Carole Nash

Carole Nash

Driving on four wheels rather than two? Carole Nash may have a policy to suit you. With various levels of cover to choose from, you can decide how you protect your car. To ensure you have the cover your car needs, optional extras and breakdown cover may also be added to your policy.

Why consider Carole Nash for Car Insurance?
Policies may include:
Key cover
Audio & sat nav cover
Windscreen cover
24-hour claims service
You may get a courtesy car whilst approved repairs are carried out

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By Miles
By Miles

A fairer kind of car insurance for lower mileage drivers.

Simple, straightforward car insurance that you pay by the mile.

The less you drive, the less you pay.

Pay for what you use and always be covered by fully comprehensive insurance. No Claims Bonus protection comes as standard.

Instantly see the exact cost of each day’s driving in our app, then pay for what you’ve driven monthly. Simple as that.

Stay in complete control with simple bills, reminders and features to help you take care of your car on a daily basis.

Cover available to drivers between 17 and 80 years old
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Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions.

Disclaimer

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.

Types of car insurance available

Car insurance companies typically offer three levels of cover.

Third-party only (TPO)

This is the minimum level of insurance every driver needs to have by law. It provides cover to third parties if you injure a person or damage their property when driving, but it won’t cover you for any losses or damage you may incur.

Despite being the most basic level of cover, third-party only policies aren’t necessarily the cheapest.

Third-party, fire and theft (TPFT)

As well as offering the same level of cover as third-party only policies, TPFT policies also cover you in the event of fire or theft. This means if your vehicle is stolen or damaged by fire, you can make a claim on your policy.

Comprehensive

Even though these policies offer the highest level of protection, they may be cheaper than the more basic policies. In addition to the above, they cover any losses to you and your vehicle in the event of accidental damage or vandalism, for example. Comprehensive car insurance may also include windscreen cover, stereo and in-car entertainment system cover and personal belongings cover, but this will vary between providers.

In some cases, comprehensive policies may provide you with third-party cover to drive someone else’s car.

Classes of use

As well as choosing from these levels of cover, you will also need to select the right type of cover for your vehicle usage.

Social, domestic and pleasure covers the regular, day-to-day driving of your car, excluding commuting to work (unless specified).

Meanwhile, commuting provides cover for travelling to and from your place of work, in addition to social, domestic and pleasure uses.

If you use your car as part of your job, such as travelling to multiple locations, there are several business use options available.

What can affect a car insurance quote?

Car insurance providers assess the level of risk you present and how likely you are to make a claim when deciding on a quote. They look at a range of factors to determine the risk of a driver and the cost of their policy, and each provider may calculate these in different ways.

Some of the factors that can affect the cost of your car insurance include:

The level of cover. Bear in mind that the minimum third-party only cover won’t necessarily be the cheapest.
The age and model of your vehicle. Every car is put into an insurance group, which you can view online. The lower the group, the lower your insurance premiums are likely to be.
How you use your car. Because commuting and business use mean you’re likely to be driving regularly, and probably at peak times, your insurance premium might be higher than if you only use your car for social, domestic and pleasure.
The profile of the driver. Your age, job and driver record (such as any penalty points on your driver’s licence and if you have a no claims bonus) could influence the cost of your car insurance.
Location. Your local area can affect your car insurance premium as living in a congested area with a high crime rate, for example, could make it more expensive.
Where you keep your car. If you park your car at the side of the road when not in use, instead of a private driveway or garage, this could make your insurance more expensive.
Mileage. Insurers will ask for your annual mileage when you apply for a quote. A higher mileage could increase the cost of your insurance.
Modifications. Insurers may charge more if you’ve modified your vehicle in certain ways, such as alloy wheels.
Any optional add-ons. Including optional extras, such as breakdown cover, personal injury cover, key cover and legal expenses, with your car insurance can make it more expensive.
Your voluntary excess. Insurers set a compulsory excess which you need to pay if you make a claim on your policy. Agreeing to pay an additional voluntary excess could help to lower the cost of your premium.

How to reduce car insurance costs

You may be able to reduce the cost of your car insurance premium in a number of ways, including:

Comparing quotes from different insurers. Even though FCA rules mean insurers can’t charge existing customers more than new customers for their insurance, it’s still worth comparing policies to see if you can get a better price elsewhere. Start getting quotes around one month before your policy ends to give you time to shop around — don’t leave it until the last minute.
Paying annually instead of monthly. Insurers will often charge more if you pay for your policy in monthly instalments instead of upfront in one annual payment.
Improving the security of your car. This could include parking on a private driveway or in a secure garage, or fitting an immobiliser, alarm, tracking device or wheel lock on your car.
Choosing a telematics or ‘black box’ policy. Often aimed at younger drivers, these devices can track your driving and, assuming you prove you’re a safe driver, this can help to cut the cost of your insurance.
Paying a higher voluntary excess. Choosing to pay a higher excess could cut the cost of your premiums. But bear in mind you will need to pay this higher sum whenever you make a claim.
Reducing your mileage. A lower annual mileage means you will be driving less, reducing the chances of any incidents. However, it’s important that your mileage accurately reflects the amount you drive as going over this figure could invalidate your policy and mean you won’t be able to claim.
Adding another named driver to your policy. Particularly if you’re a young or inexperienced driver, adding a lower-risk driver to your insurance policy could help to lower your premiums. But be aware that ‘fronting’ (when you name a lower-risk person as the main driver of a vehicle instead of the person who will be driving it most), is fraud and can have serious consequences.
Building up your no claims discount. Also known as a no claims bonus, having a history of not making any claims on your policy could help you to get cheaper car insurance.
Haggling. Not everyone will be comfortable with this, but, if you’d prefer to stay with your existing insurer, it may be worth calling them to see if you can negotiate the price of your quote. If you can show that other insurers can offer you a lower price, this will strengthen your position.

Car insurance FAQs

How can I check if a car is insured?

You can check if your car is insured by putting your car registration number into the Motor Insurance Database (MID). This is free, although you may need to pay to access other services on the database.

Is car insurance going up?

Car insurance prices have been rising significantly over the past two years as insurers have faced increasing costs. For example, vehicle repairs have become more expensive, which means claims have cost insurers more money. According to figures from the Association of British Insurers (ABI), the average car insurance premium in the second quarter of 2024 stood at £622, 21% higher than the same period in 2023. However, price rises seem to be easing as the average cost of car insurance actually fell slightly over the first half of 2024.

Does car insurance cover breakdowns?

No, car insurance only covers you if your vehicle is involved in an incident. If you want a policy that can cover the cost of recovery and emergency repairs if something goes wrong with your vehicle, you’ll need to get breakdown cover. You can often add breakdown cover to your car insurance policy, but you may be able to find better-value cover if you purchase it separately.

Can you cancel car insurance?

It’s possible to cancel car insurance. You should receive a full refund if you cancel before your cover starts. If you cancel within 14 days of taking out a policy (known as a cooling off period), you should receive a refund, although providers may deduct some costs for the days you had cover and some may charge a small cancellation fee. If you cancel after this 14-day period, you may still receive a partial refund and you will probably need to pay a larger fee. Bear in mind that you may not receive a refund if you’ve claimed on your policy before cancelling.

Rhiannon Philps

Content Writer

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