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Why Car Insurance Cardiff Matters

Cardiff is not only the capital of Wales but is also its most populous city, which of course comes with an increased risk of car accidents. The crime rate in Cardiff is also particularly high, so as you might expect – car insurance in Cardiff premiums cost quite a bit more than many other places in the UK.

Fear not however – Clean Green Compare can help you get quotes for Cardiff car insurance in a quick and stress-free manner. Just click the green button now to get started.

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Did you know…?

Cardiff car insurance costs more than a lot of other places in the UK but is still cheaper when compared to places like London, Liverpool and Birmingham.

The Importance Of Car Insurance Cardiff

It’s always important to have car insurance no matter where you live in the UK but is particularly necessary when you live in a highly populated place such as Cardiff.

Main Options For Car Insurance Cardiff

Third-Party Only Insurance

: This is the basic car insurance requirement by law in the UK. It includes coverage for injuries inflicted on others and damage to others' property, but doesn't provide for any damage to your vehicle.

Third-Party, Fire and Theft Insurance

: This is an extension of Third-Party Only insurance, offering additional coverage against loss or damage to your vehicle due to fire and theft incidents.

Comprehensive Car Insurance

: This is the most extensive insurance cover you can get. It encompasses all the components of Third-Party, Fire and Theft policy, plus it may also help bear the cost of repairs or replacement of your car, irrespective of who caused the accident.

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Did you know…?

You can reduce the cost of your cover by taking steps to make your car more secure and by paying annually instead of monthly.

Why Get Car Insurance Cardiff Quotes Online?

Some great reasons to get Car Insurance Cardiff quotes online are –

  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.
  • 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.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.

More Cover Options For Car Insurance Cardiff

In addition to the main types of Car Insurance Cardiff, you can also get –

  • 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…?

Getting quotes from multiple providers is always an excellent way to avoid overspending.

Car Insurance Cardiff - Excellent Ways to Save Money

Excellent ways to save money on Car Insurance Cardiff include –

  • 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.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • 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.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.
  • 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.
Car Insurance Cardiff Annual Average Premium
Region Postcode Premium*
WalesCF, LD, LL, NP, SA, SY, CH£690.76
Reference – Data from Quotezone.co.uk, this data uses a random sample of over 100,000 UK car insurance policies from January – May 2024.

Get Car Insurance Cardiff Quotes Today!

Comparing tailored quotes is the secret weapon for zeroing in on the best car insurance. Here's the roadmap:
  • Firstly, you input your personal details - they assure absolute data protection.
  • Then, share your vehicle's specifics - every detail leads to a better fit.
  • Fill in your current insurance particulars - it's crucial for personalised recommendations.
  • Sit back as specialist insurance providers connect with you offering tailored quotes.

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Car Insurance Cardiff FAQs

Why does Cardiff car insurance cost more compared to other cities?

The two main reasons that Cardiff car insurance costs more than a lot of other areas in the UK is because of its large population and high crime rate.

Are there ways to cut down costs?

Yes, as well as getting quotes, you can also choose to pay for your policy annually. Most insurance providers will offer a good discount for doing this.

What other things affect cost?

Things like your age, the value of your car, your driving experience and where you park your car at home will definitely play a big factor when it comes to cost.

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Car Insurance Cardiff Providers

Clean Green Compare have partnered with Quotezone.co.uk to help you save money on your Car Insurance Cardiff. 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 14 March 2025Reviewed by Ian Beevis Insurance Expert