Common Questions

Why do I need car insurance, and what type do I need?

Why do I need car insurance, and what type do I need?

If you want to get from A to B in your car, you will need insurance as it is a legal obligation. The minimum amount of coverage required by law is Third-Party Only. We always recommend that drivers consider a higher level of cover for extra financial protection if involved in an accident or if someone attempts to steal their car.

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What does car insurance cover?

The main types of car insurance coverage available are:

  • Third-Party Only: Covers the other person if you’re involved in an accident.
  • Third-Party, Fire & Theft: Covers the other person in an accident and your vehicle in the event of fire and actual theft.
  • Comprehensive: The highest level of cover which encompasses all of the above and more, depending on the insurer you choose. For example, some insurers will cover damages to windscreens and accidental damages in an accident.
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What details do I need to get a car insurance quote?

To give you a car insurance quote, we will need the following details:

  • Your personal information: This includes your name, age, and address, and where you plan to store the vehicle overnight.
  • Vehicle information: We need to know the make and model of the car you want to insure, its registration number, and the year it was manufactured.
  • Driving history: Information about any accidents or claims you have made in the past and your driving experience.
  • Extra cover: We will discuss the level of coverage you require and any additional options you may be interested in, such as breakdown cover or legal protection.
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Is it cheaper to pay car insurance annually or monthly?

It really depends on your financial circumstances. Paying for car insurance annually is often cheaper since insurers usually offer a discount for lump-sum payments. However, paying monthly can be more convenient for spreading the cost over time, though it may come with added interest fees.

Overview

Car insurance is essential for every car owner. At Clean Green Compare, we provide a range of car insurance options to suit your needs, helping you find the best policy at an affordable price. Whether you’re a young driver or need business use coverage, we’ve got you covered.

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Insurance Cover Options

You’ll need a minimum of third party car insurance to drive legally on UK public roads. Driving without car insurance can result in fines, penalty points and disqualification.

Third-Party Only

: The lowest level of cover to make your car road legal, covering damage to others if you’re at fault.

Third-Party, Fire & Theft

: Adds coverage for fire damage and theft of your vehicle.

Comprehensive

: Offers full coverage, including damages to your vehicle even if you are at fault.

Breakdown Cover

: Helps with roadside assistance and towing services in case your car breaks down.
Susan Difford Insurance Expert

Additional Cover Options

Additional Cover Options intro here

Legal Protection

: Covers legal expenses after an accident.

Breakdown Cover

: Roadside assistance if your car breaks down.

Excess Protection

: Covers the cost of your excess.

Windscreen Cover

: Repair or replacement of a cracked windscreen.

Car Key Cover

: Covers lost or stolen keys.

Personal Accident Cover

: Compensation for injuries in an accident.

European Cover

: Extends your coverage outside the UK.

Income Protection

: Financial support if you can’t work due to illness or injury.

Uninsured Driver Cover

: Protection against uninsured drivers.

Courtesy Car

: Temporary car while yours is being repaired.

Short-Term Cover

: Coverage for a few hours, days, or weeks.

Telematics Insurance

: Black box insurance, ideal for younger drivers.

General Exclusions

General Exclusions intro here

Wear and Tear

: Not covered for normal wear and tear or depreciation.

Driving Under the Influence

: Claims are denied if the driver is under the influence of alcohol or drugs.

Unlicensed Drivers

: Coverage is void if the driver does not have a valid license.

Intentional Damage

: Damage caused intentionally is not covered.

Illegal Purposes

: Claims are denied if the vehicle is used for illegal activities.

Unapproved Modifications

: Modifications not approved by the insurer are excluded.

Commercial Use

: Coverage is void if the vehicle is used for commercial purposes without proper policy specifications.

Theft Due to Negligence

: Theft claims are denied if the car is left unsecured.

Why Choose Us

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Price

Prices start from £32.67** per month

Get your quotes in minutes – prices are guaranteed for 30 days.

Ready to get covered?

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How to Save on Your Insurance

Shop Around

: Use our comparison tool to explore policies and find the best value.

No Claims Discount

: Maintain a claim-free record for bigger discounts.

Choose Your Car Wisely

: Less expensive cars usually have lower premiums.

Improve Security

: Installing alarms can lower insurance costs.

Higher Excess

: Agree to a higher voluntary excess to lower premiums.

Limit Your Mileage

: Reducing driving can lead to cheaper insurance.

Park Securely

: Parking in a garage or secure spot can reduce risks.

Telematics Insurance

: Safe driving can lead to lower premiums.

Advanced Driving Courses

: Completing these can lead to insurer discounts.

Pay Annually

: Paying annually can save money compared to monthly payments.

Avoid Modifications

: Keeping the car in its factory condition can lower costs.

Add a Named Driver

: Adding an experienced driver can reduce premiums.

Maintain a Good Credit Score

: This can lead to lower premiums.

Consider Insurance When Buying a Car

: Cars in higher insurance groups usually have higher premiums.

Limit Optional Extras

: Only add necessary extras to keep costs low.

Check for Discounts

: Look for online or profession-based discounts.

Maintain a Clean Driving Record

: A clean record helps lower premiums.

Review Coverage Annually

: Make sure you’re not paying for unnecessary coverage.

In Summary

Car insurance is essential for every car owner.

At Clean Green Compare, we provide a range of car insurance options to suit your needs, helping you find the best policy at an affordable price. Whether you’re a young driver or need business use coverage, we’ve got you covered.

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Car Insurance Providers

Clean Green Compare have partnered with Quotezone.co.uk to help you save money on your Car Insurance. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.

You could save up to £518* *51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Susan Difford - Clean Green Compare Personal Lines Insurance Expert
Updated 31 October 2024Reviewed by Susan Difford Personal Lines Insurance Expert