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Ensuring Your Journey's Safety with the Correct Car Insurance England

If you live in England, then you’ll need to have car insurance in place in order for your vehicle to be road legal. Although car insurance can be expensive, it’s now easier than ever to get quotes.

You can get tailored car insurance quotes now by clicking the green button.

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Did you know…?

Car insurance is known to be expensive in the UK but there are many ways you can keep costs down, such as getting multiple quotes.

Why You Need Car Insurance England

All residents in England and the rest of the UK need to have third party only insurance at least in order to drive legally.

Car Insurance England - Main Cover Options

Third-Party Only Insurance

: This is the simplest variant of car insurance and is the smallest legal requirement in the UK. It covers injuries inflicted on others and damage to other people's property—however, it does not cover any damage to your own vehicle.

Third-Party, Fire and Theft Insurance

: This includes all aspects of Third-Party Only coverage, but with the added benefit of protection against loss or damage to your car from fire or theft.

Comprehensive Car Insurance

: This is the most extensive cover you can procure. It incorporates everything from the Third-Party, Fire and Theft policy, plus it could potentially cover the cost of repairs or replacement of your vehicle, irrespective of who was at fault in the accident.

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Did you know…?

Important factors that affect cost include your age, your driving experience and where your car is parked at home.

Benefits Of Getting Car Insurance England Quotes Online

Getting Car Insurance England quotes online comes with many benefits. These include –

  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • These services don't require commitment or purchase; they can be used as research tools.
  • Operating independently of specific insurers, these sites provide unbiased assessments to help users find the best policy.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.
  • They promote competition among insurers, often leading to better pricing options.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Car Insurance England - Additional Cover Options

Extra types of Car Insurance England to choose from are listed below –

  • Misfuelling Cover: If you accidentally fuel up with the wrong type, this cover helps manage the cost of any necessary repairs.
  • Child Car Seat Cover: Accidents can be unnerving, especially with children involved. This cover allows for the replacement of any child car seats, even if there's no apparent damage.
  • Breakdown Cover: When your car takes an unexpected pause, this add-on ensures you're not stranded and provides roadside assistance at any time.
  • Legal Cover: Road incident led to a legal dispute? This cover provides financial protection to keep legal costs at bay.
  • Key Cover: Losing your keys is frustrating enough without the added expense. This cover handles the cost of replacement keys and even the locksmith's fee.
  • No Claims Discount Protection: Claim or not, this cover ensures your no claims discount remains untouched, helping you secure lower premiums in the future.
  • Foreign Use Cover: Planning to hit the road abroad? This provides the same level of protection as you have at home, so you can drive with peace of mind.
  • Personal Accident Cover: In case a severe accident occurs, this cover offers you and any named driver a financial safety net for certain injuries.
  • Excess Protection Cover: This cover absorbs the cost of your excess if you need to make a claim, ensuring you're not left out of pocket.
  • Uninsured Driver Protection: If an uninsured driver collides with your vehicle, this cover ensures you're not left to foot the bill, protecting your excess and your no claims discount.
  • Windscreen Cover: Keep your view clear with this cover, which provides protection against any windscreen damage.
  • Courtesy Car Cover: If your car is off the road for repairs after an accident, this cover keeps your routine running by providing a courtesy car.

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Did you know…?

It's always a good idea to take any steps you can to save money when getting car insurance in England.

How You Can Save Money On Car Insurance England

You can save money on Car Insurance England in the following ways –

  • Shop Around: Don't settle for the first quote you receive. Use the comparison tool to explore various policies and find the one that offers the best value for your money.
  • Choose Your Car Wisely: The make, model, and age of your car can affect the cost of your insurance. Cars that are less expensive to repair or replace usually come with cheaper insurance premiums.
  • Park Securely: Cars parked on the street are more likely to be stolen or damaged. If possible, park your car in a garage or secure parking spot overnight.
  • Avoid Modifications: Any modifications to your car could increase your insurance premium. If you're looking to save money, try to keep your vehicle as close to its factory condition as possible.
  • Limit Your Mileage: If you can, try to limit the amount of driving you do. Lower annual mileage can lead to cheaper insurance premiums.
  • Maintain a Clean Driving Record: A clean driving record, free from accidents and violations, can help lower your premium costs as it shows insurers that you're a low-risk driver.

Get Car Insurance England In Just Minutes!

This comparison tool is a game-changer when it comes to finding the right car insurance. Here's the drill:
  • First, you'll need to punch in your personal details - they handle data with utmost care.
  • Next, they'll ask for your vehicle's specifics - the more detailed, the better.
  • Then, you should key in your current insurance details - it helps them serve you better.
  • And there you go, specialist insurance providers will soon be in touch with customised quotes.

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Car Insurance England FAQs

How much does car insurance cost in England?

It’s impossible to give a price because there are so many factors that come into play – your age, your driving experience, the car you’re insuring, where you live, how secure your car is.

Is getting quotes a good way to save money?

Yes, getting quotes from different insurance providers is one of the best ways to save money on car insurance in England. It will allow you to make an informed decision and get the best policy at the best price.

Does cover cost more for young drivers?

Yes, unfortunately it does. This is because young drivers are statistically more likely to make a claim. However there are steps you can take to lower costs, such as getting a modest car with a small engine and taking the Pass Plus test.

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Car Insurance Comparison

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Car Insurance England Providers

Clean Green Compare have partnered with Quotezone.co.uk to help you save money on your Car Insurance England. 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.

Ian Beevis - Clean Green Compare Insurance Expert
Updated 4 April 2024Reviewed by Ian Beevis Insurance Expert