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If you need car insurance quotes you’ve come to the right place – our comparison platform quickly searches a panel of leading insurers to show you a range of policies, so you can find a deal to suit you. And with our Cheapest Price Guarantee*, we promise to beat your cheapest ‘like for like’ online quote.

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

How can I get cheap car insurance?

You could save hundreds of pounds when you compare quotes across the market, here at mustard.co.uk we search prices from top UK insurance providers and brokers, helping you find the cover you need at a budget to suit you. Few of us enjoy searching for car cover but most of us agree that it’s well worth the effort if we can save ourselves some cash, our data shows that for 51% of consumers there’s a £200 difference between the cheapest insurance price and the average of the next 5 prices. We’re here to make your search easier – whether you’ve been driving for more years than you care to remember, use your car everyday for work, or are an inexperienced driver – simply fill in our online form and we’ll do the rest. Below are our top tips for ways to save money on your car insurance:

Do you need a renewal quote?

Tip 1: don’t autorenew, in other words, don’t allow your current car insurance policy to automatically renew because you might not be getting the best deal.

Tip 2: don’t leave it until a few days before your car insurance anniversary to start looking for a good deal, data shows you’ll get cheaper insurance quotes around 3 weeks before your renewal date. We know it’s a drag hunting for the best policy options each year, but using a price comparison website like mustard.co.uk will save you lots of time, as we’ll search for quotes on your behalf. Simply complete our online form, pop in your car registration and review the range of deals on offer. Not only that, we’ll automatically search for insurance quotes next year and remind you with plenty of time in hand to organise your insurance, taking advantage of the most competitive prices available.

Do you need an insurance quote for a new car?

The cost of your car insurance is based on many factors, which build up a risk profile for the insurer. Your age and address you can’t change, but there are still several ways to reduce the amount you pay for your insurance premium.

Tip 3: Take an annual policy and pay for it in one go, this will work out cheaper than short-term cover and avoid interest charges associated with monthly instalments.

Tip 4: Be acccurate with details such as mileage. Work out your annual mileage to ensure you’re getting a quote for what you actually need.

Tip 5: Choose your policy carefully, considering what add-ons you really need. For example, sometimes it’s cheaper to buy breakdown cover or windscreen protection separately to your car insurance policy. Other add-ons like No Claims Bonus protection might be worth paying for, especially if you’ve built up a large No Claims Discount from years of careful driving.

Tip 6: Choosing a car in a lower insurance group. Before buying a new car, you can calculate car insurance costs quickly and easily for different makes and models. Every car is put into an insurance group from 1 to 50, with 1 being the cheapest to insure.

Visit our blog for lots more tips on how to reduce your car insurance costs.

For more information about car insurance that’s right for you, read our specialist insurance guides:

  • 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.
  • Need to add business use to your insurance policy, then mustard.co.uk can step into the breech too.
  • Do you need temporary car insurance, rather than an annual policy? Read all about short-term cover options here.

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!

Car insurance for 18 year olds

Car insurance for students

Car insurance for young drivers

Learner Driver car insurance

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

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: If you can afford to, paying for your insurance up front, can help you save money. Monthly instalments could mean you end up paying more in admin and interest charges so it’s best to take the hit to your bank balance in one go – you’ll be grateful later.
  • Don’t auto-renew: Auto-renewing your insurance might make life convenient, but it will rarely save you money as prices are typically more expensive compared to new quotes. Your existing insurer should let you know when your policy is due to end and when they do, it’s time to start searching for new deals.
  • Build up your no claims bonus to earn yourself a bigger discount: Your no claims bonus (NCB) is your reward for not making a claim on your insurance. If you haven’t made a claim by the end of your 12-month policy, you earn a discount which is taken off your premium. The more years no claims you have, the greater the discount.
  • Protect your no claims discount: If you’ve built up years’ worth of no claims, it’s sensible to protect them. Most insurers will give you the option of protecting your NCB for a small fee. Always read the terms and conditions if you’ve chosen to protect your NCB because different insurers have different rules about how it’s applied. For example, some providers limit the number of fault claims (where the accident is your fault) you can make so if you exceed this then you risk losing your NCB protection.
  • Only pay for the cover you need: It’s tempting to include extra features ‘just in case’ but doing so could mean you end up buying add-ons you simply don’t need. So, if you’d never contemplate taking your car abroad, then buying European cover (for example) is money wasted.
  • Be accurate with mileage: The number of miles you drive influences the cost of cover (the more you do, the greater the chance of an accident). So, always be as accurate as you can because rounding up your mileage could push your premium up too. If you don’t drive much, then take a look at low mileage car insurance as well.
  • Think about your job description: Most of us know that jobs influence insurance cost. What you might not know, is that variations in job title can also have an impact. For instance, typical occupations for cheap car insurance include ‘nurse’ but opting for ‘midwife’, ’state enrolled nurse’ or ‘matron’ – could alter your premium and result in an even lower cost. Don’t get too carried away though because inaccurate information will invalidate your policy.
  • Choose your car carefully: If you’re looking for a new car, then you could save some money by choosing your car by insurance category rather than how quickly it can go from 0 to 60.
  • Choose a telematics policy which bases premiums on the way you drive: Telematics (or black box insurance) is a great tip for teenagers and young drivers to get cheaper car insurance., A small electronic device is used to monitor your driving with premiums based on how well you drive – also worth considering if you have driving convictions.
  • Increase your voluntary excess: Voluntary excess is what you agree to pay in addition to the compulsory excess set by your insurer, in order to proceed with a claim. If you increase the amount, it could lower your overall premium, but make sure it’s something you can afford – find out more in compulsory and voluntary excess explained
  • Avoid modifications to your car unless they make your car more secure: Cars that are modified in any way are likely to cost more to fix, which in turn can push up the price of your premium so they’re best avoided.
  • Take an advanced driving course but check whether the course is recognised by insurers: Taking an advanced driving course helps you brush up or learn new skills, but it’s also another way of getting cheaper car insurance – especially for new drivers. A range of courses are available and while you’ll need to pay to do them, the long-term savings are often worth the cost. Courses on offer include those by:

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!

 

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