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At mustard.co.uk, we put you in the driving seat to help you find cheap car insurance cover without compromise. Whether you drive a neat and nippy city car or ferry the family around in an SUV, you need car insurance you can rely on.

Jump to section

  • How can I reduce my car insurance?
  • Who is my car insured with?
  • Advice & FAQs
  • Customer reviews
  • Useful links

Jump to section

  • How can I reduce my car insurance?
  • Who is my car insured with?
  • Advice & FAQs
  • Customer reviews
  • Useful links

Why compare car insurance?

It’s no secret – car insurance can be expensive which is why it’s crucial to compare car insurance quotes. At mustard.co.uk we work with a panel of up to 70 leading insurance providers to help you find car cover you can rely on at a price that suits your budget.

So whether you’ve been driving for more years than you care to remember, use your car everyday for work, or are an inexperienced driver looking for learner driver insurance, we’re here to make your search easier – simply fill in our online form and we’ll do the rest.

Car insurance advice and FAQs

What is car insurance?

Car insurance covers the cost of damage if you’re involved in an accident. Depending on the level of cover you choose, your policy will also compensate you if your car is stolen, vandalised or damaged by fire. 

Whatever you drive, whether it be a saloon, sports car, 4×4 or hatchback, if you drive a car on UK roads, you’ll need car insurance by law. Policies can offer so much more, providing you with financial assistance when you need it most. For example, legal expenses cover can pay for professional advice if you decide to make a claim against someone. Other options like a courtesy car and windscreen cover can also help make life easier by getting you back on the road as soon as possible.

Whatever policy you choose, make sure you get the best of what’s on offer and compare car insurance right here.

Compare Cheap Car Insurance Quotes

Why compare car insurance?

It’s no secret – car insurance can be expensive which is why it’s crucial to compare car insurance quotes. At mustard.co.uk we work with a panel of up to 70 leading insurance providers to help you find car cover you can rely on at a price that suits your budget.

So whether you’ve been driving for more years than you care to remember, use your car everyday for work, or are an inexperienced driver looking for learner driver insurance, we’re here to make your search easier – simply fill in our online form and we’ll do the rest.

What documents will I need on-hand to compare car insurance?

When you search for car insurance, you’ll need to answer questions like:

  • How old you are
  • What your job is
  • Where you live and where you keep your car overnight
  • What you use your car for
  • Whether your car has any modifications.

It might be a lot of questions but the answers you give can have an impact on the price of your premium so it’s vital to answer them as accurately as you can.

If you’re switching insurers, you may also need to show your new insurer evidence of your claims history if you’re able to carry your no claims bonus over.

What is excess in car insurance?

Almost all car insurance policies come with an excess. It’s an amount you need to pay towards a claim so that it can go ahead. For example, if you made a claim for £1000 but your excess was £200, you’d pay the £200 while your insurer paid £800.

There are two types of excess you need to look out for: 

  • Compulsory excess – this amount is set by the insurer and can’t be changed.
  • Voluntary excess – this amount is agreed between you and your insurer.

Even if you’re involved in an accident that wasn’t your fault, you might still need to pay your excess but you should get it back when the claim’s been settled. If the other driver isn’t insured, your provider may offer to waive your excess but this will be at their discretion.

Who is the cheapest car insurance provider in the UK?

Car insurance is all about risk and working out what the chances of a claim being made are. It means the cost of cover can vary significantly depending on your own circumstances which is why it’s so important to compare car insurance.

One of the many benefits of using a comparison site like mustard.co.uk, is that you only need to tell us what you need once. From there, we’ll bring you a range of car insurance quotes from leading UK based providers so that you can choose a policy that fits your needs and your budget.

How can I reduce my car insurance?

Taking the time to compare car insurance quotes online really is the best way to ensure you don’t pay any more than you need to. That said, you can help shave off a little more by:

  • Increasing your voluntary excess – this can help lower the overall cost of your insurance premium. But remember, you’ll need to pay it before your claim can go ahead so it should still be an amount you can afford.
  • Choosing your car carefully – powerful cars generally cost more to insure because they can be more expensive to fix and a temptation to thieves.
  • Adding a named driver – having a more experienced driver named on your policy can help lower premiums, however remember to be truthful and accurate with the information you give. Adding an experienced driver as the main driver when this is not the case is called fronting and is a type of insurance fraud.
  • Being accurate about mileage – overestimating mileage can push up your premium (the more miles you cover the greater the risk of an accident) so it helps to be as accurate as possible. If you rarely drive your car, short-term car insurance may be more suitable for you.
  • Building up a no claims bonus – every year you go without making a claim gives you a discount off your premium. After a few years, this could be as much as 60% off your car insurance so think carefully before claiming for minor issues like scratched paintwork.
  • Keeping your car secure – if you’re able to keep your car in a locked garage it could be reflected in a lower premium.
  • Taking out a telematics policy – also known as black box insurance, this monitors how you drive and sends the information back to your insurer. Abiding by traffic rules and following speed limits could help you cut the cost of insurance.

Who is my car insured with?

Insuring your car annually means it’s all too easy to forget who your car’s insured with – and even if it’s insured at all.

Luckily, it’s easy to find out if your car’s insured in the first place by checking the Motor Insurance Bureau (MIB) askMID website. It’s a record of every car that’s been insured in the UK so if you’re covered, your car will be listed.

If you’re satisfied you’ve got cover but just can’t remember who with, then you’ll need to dig a bit further and you could try:

  • Checking bank or credit card statements to see if the transaction is listed.
  • Sorting through emails for any correspondence from your insurer.

Asking the MIB for your information but you’ll need to fill in a data request form and you may have to pay a small fee.

What year is my car?

Since 2001, new car registrations are released twice a year (March and September). This current system tells you where your car was registered, as well as how old it is.

If we look at an example – LD20 XCL:

  • The first two letters (LD) show the area the car was registered (London) 
  • The second two digits (20) are age markers
  • The third set of digits are randomly generated.

Number plates released in March make it easy to work out how old your car is because the second two digits are the same as the year itself. Plates released in September take the year plus 50. So, looking now and a little bit ahead, you’ll see:

  • Cars registered between March and August 2020: 20 plate (LD20 XCL)
  • Cars registered between September 2020 and February 2021: 70 plate (the year ‘20’ plus ‘50’) in our example this would give you a number plate of LD70 XCL
  • Cars registered between March and August 2021: 21 plate (LD21 XCL)
  • Cars registered between September 2021 and February 2022: 71 plate (LD71 XCL).

If your car’s a classic, it probably uses the older system of letter prefixes and suffixes to show age. You can find out more in our guide to car reg years.

What are the cheapest cars to insure?

All cars in the UK belong to one of 50 car insurance groups with group one cars being the cheapest to insure and 50 being the most expensive. 

Which group a car belongs to depends on a number of reasons including:

  • Performance
  • How much it costs to buy
  • How much parts cost
  • How long it takes to fix
  • Safety and security features.

Based on this, powerful cars that are expensive to buy and expensive to fix will cost more to insure than cars with small engines and cheap parts. Newer cars also tend to be more expensive to insure, especially if they have lots of sophisticated tech as this can be costly to repair. 

Modifications that aren’t security related can also have an impact and can push up premiums – for instance, if you’ve changed the paintwork or lowered the suspension. With all this in mind, if you’re specifically after a new or used car that attracts cheap car insurance, it’s well worth taking a look at the insurance group it’s in.

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