ON THE MOVE

Car insurance. Explained.

Compare the cover behind the premium, from damage to your own car to the transport you need while it is repaired.

Start with what you need covered.

Start with the vehicle, its drivers and its real use. A commute, visits to clients and delivery work are different situations to describe accurately when requesting quotes. Compare the total annual cost and the contribution you would need to pay towards a claim, rather than choosing by the first monthly figure.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Third party

Liability for injury or damage to others; damage to your own car is not the purpose of this cover.

Third party, fire and theft

Adds specified fire and theft protection for your car to third-party cover.

Comprehensive

Adds cover for damage to your own car, subject to the policy. Extras still need checking.

BEFORE YOU CHOOSE

Four conversations worth having.

Excess

What compulsory, voluntary and driver-specific amounts could apply together?

Replacement transport

Is a courtesy car available after theft or a write-off, or only during approved repairs?

Repairs

Which repairers can I use, and what changes if I choose another garage?

Use and drivers

Does the schedule record the real main driver, commuting, business use and modifications?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

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