Compare cheap car insurance quotes

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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 much is car insurance?
  • How can I reduce my car insurance?
  • Check if my car is insured
  • Who is my car insured with?
  • What documents will I need?
  • What year is my car?
  • Cheapest cars to insure
  • What is excess?
  • What is car insurance?
  • Specialist car insurance
  • Advice & FAQs
  • Customer reviews
  • Insurance Guides

Jump to section

  • How much is car insurance?
  • How can I reduce my car insurance?
  • Check if my car is insured
  • Who is my car insured with?
  • What documents will I need?
  • What year is my car?
  • Cheapest cars to insure
  • What is excess?
  • What is car insurance?
  • Specialist car insurance
  • Advice & FAQs
  • Customer reviews
  • Insurance Guides

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.

If we were all the same then life would be a bit boring, we’re sure you all agree, and the same applies to cars.

Not everybody has the same car, the same needs or the same circumstances! That’s why mustard.co.uk has lots of insurance providers on our panel, so we can search for policies to suit any motorist, no matter what their circumstances.

We also want to help everyone get the cheapest car insurance price they can. That’s why we’ve got our cheapest quote guarantee* and also why we tailor all of our quotes to you.

So if you’ve got a 4×4 and want insurance specific to the big off roaders, we can help.

If you’re a learner driver and you’re interested in how telematics car insurance can reduce the cost of your first insurance policy, mustard.co.uk can help.

Perhaps you’re at the other end of the spectrum and have been driving for decades, with many years ‘no claims’, or you need to add business use to your insurance policy, then mustard.co.uk can step into the breech too.

All you need to do is get a quote and let us know how you’re different; we’ll then tailor our quote to you, but if you want a bit more information, you can click on our specialist car insurance pages below:

Young Drivers

Car insurance for 18 year olds

Car insurance for students

Car insurance for young drivers

Black Box insurance (also known as telematics car insurance)

Learner Driver car insurance

Experienced Drivers

Over 50s car insurance

Over 80s car insurance

Car insurance for women

Electric vehicle insurance

Pick-up truck insurance

Low mileage car insurance

Convicted driver car insurance

And if you don’t want to do it online, then you can call an expert team to help you find the policy you need tel: 0330 022 8814

Do you need temporary car insurance, rather than an annual policy? Read all about short-term cover options here.

What will you use your car for? 

  • Social, domestic and pleasure (SDP)
  • Social including commuting
  • Business use

‘Class of use’ is a key factor that insurers look at when calculating your car insurance premium. If you don’t know which option best applies to you, read our guide to insurance usage classes.

Car insurance advice and FAQs

How much is car insurance?

The cost of car insurance can vary depending on a number of factors. When calculating your car insurance cost, insurance providers will consider many things including your annual mileage, the make and model of your vehicle and how long you have been driving. 

According to the ABI in July 2020, the average fully comprehensive car insurance premium in the UK is quoted at £460 – subject to your individual circumstances and the features of your level of cover. In order to get the best cheap car insurance, it is always recommended that you use a price comparison site – just like mustard.co.uk. You can see more information on how your car insurance is calculated here.

How can I reduce my car insurance?

Some factors that affect the cost of your insurance are out of your control (for instance your age and driving history) but there are ways to keep premiums down – for example:

  • Pay for premiums in one go to avoid interest fees
  • Choose a telematics policy which bases premiums on the way you drive
  • Increase your voluntary excess which will lower your overall premium (just make sure it’s still affordable)
  • Only pay for the cover you need and don’t be tempted to add on extras you’re unlikely to use
  • Build up your no claims bonus to earn yourself a bigger discount
  • Avoid modifications to your car unless they make your car more secure
  • Take an advanced driving course but check whether the course is recognised by insurers

How to check if my car is insured?

Thankfully, it is often very easy to find out whether your car is covered. If a search of your email inbox has proven unsuccessful, your old bank statements should reveal any regular or one-off payments to your insurance provider.

One of the easiest ways to check if your car is insured is via Ask MID (motor insurance database). MID allows you to type in your car number plate and shows you whether or not your car is covered by insurance. Learn more here.

Need to know who you are insured with? MID is unable to show you who your insurance provider is, but a downloadable form and submission request is available for a fee in order to retrieve your car insurance history. For more information on how to find out who you are insured with, you can visit our guide here.

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 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 year is my car?

If you need to know how old your car is, you can take a look at the two numbers after the area code. The table below shows age markers and their corresponding years (handy to know if you’re after a used car of a particular age).

Related article: what year is my car? 

Every year, two new age markers are introduced – once in March and the second in September. The March age indicator is easy to remember because it’s the same number as the calendar year – for instance, an ‘18’ reg plate would mean the car was registered in the first part of 2018. However, the September number is always 50 plus the year number – for example, a car registered in October 2018 would have an age indicator of ‘68’ (50+18). 

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 comprehensive guide to UK Reg plate system.

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.

Related articles:

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.

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.

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.

Read our guides for:

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.

What is specialist car insurance?

While you can’t move for Ford Fiestas or Nissan Qashqais in the UK, there are lots of different makes and models of cars, as well as different types, on our roads and they all need insurance.

You may need a specialist car insurance policy if:

Here are mustard.co.uk we can help you find quotes for all these different circumstances, complete our simple online form and let us search for you!

 

Cheapest car insurance quote, guaranteed*