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Protect Your Journey: Choosing the Right Liverpool Car Insurance

The UK’s 5th most populated city – Liverpool is a bustling and vibrant place that’s home to some of the UK’s most iconic sights. If you live in Liverpool and are a car owner, then you’ll want to make sure you protect your vehicle with a good insurance policy.

Being one of the larger cities in the UK, Liverpool car insurance tends to cost more than a lot of other areas of the country. The good news is that you can save money on car insurance in Liverpool by getting quotes from several providers. To get tailored quotes now, simply click the green button.

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Did you know…?

Liverpool is one of the more expensive cities to get car insurance in the UK, along with Manchester and London. However you can still get cover at an affordable rate by shopping around for quotes.

Why Getting Liverpool Car Insurance Is Necessary

Being such a populated city, driving in Liverpool can be quite hazardous, so it’s definitely necessary to get car insurance to make your vehicle road legal and get protection for risks such as collisions, theft and fire damage.

Liverpool Car Insurance Cover Options

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…?

Where you live is just one factor that insurance providers take into account. Others include your age, driving experience and how secure your car is.

The Benefits of Getting Liverpool Car Insurance Quotes

Below are some of the main benefits of getting Liverpool Car Insurance quotes online.

  • They allow users to browse through various quotes from different insurers, offering a wide range of options that cater to every requirement.
  • 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.
  • 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.
  • The real-time comparison of prices from various insurers aids in making an informed decision.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Liverpool Car Insurance - Additional Types of Cover

Below are some additional types of Liverpool Car Insurance

  • Breakdown Cover: With this add-on, you receive roadside assistance whenever your vehicle breaks down, providing you with peace of mind during every journey.
  • Legal Cover: This provides financial protection against any legal costs you might incur if you're involved in a legal dispute related to a road incident.
  • Courtesy Car Cover: If your car needs repairs after an accident, this cover ensures you're provided with a courtesy car, so your daily routine isn't disrupted.
  • Windscreen Cover: This cover provides protection against any damage to your windscreen, ensuring your view of the road remains crystal clear.
  • Personal Accident Cover: This provides you with a financial safety net in the unfortunate event of a severe accident, covering you or any named driver for certain injuries.
  • Key Cover: This offers you protection against the loss or theft of your car keys, covering the cost of replacement and even the locksmith's charges.
  • No Claims Discount Protection: With this, your no claims discount remains intact even if you make a claim, helping you maintain lower premiums in the future.
  • Excess Protection Cover: This covers the cost of your excess should you need to make a claim, meaning you won't be out of pocket when you most need it.
  • Uninsured Driver Protection: This ensures you're not left out of pocket if an uninsured driver hits your vehicle, covering your excess and protecting your no claims discount.
  • Foreign Use Cover: This extends your cover for driving abroad, providing you with the same level of protection as you enjoy at home.
  • Misfuelling Cover: Protects you against any repair costs if you accidentally put the wrong fuel in your car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for the replacement of any child car seats, even if there's no visible damage.

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Did you know…?

Getting quotes is one of the best ways to save money on Liverpool car insurance.

How to save money on Liverpool Car Insurance

Below are some great ways to keep the cost of Liverpool Car Insurance to a minimum –

  • 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.
Liverpool Car Insurance Annual Average Premium
Region Postcode Premium*
North West EnglandBL, CH, CW, FY, L, M, OL, PR, SK, WA, WN, BB, CA, LA£917.26
Reference – Data from Quotezone.co.uk, this data uses a random sample of over 100,000 UK car insurance policies from January – May 2024.

Compare Liverpool Car Insurance Quotes Now!

By comparing quotes on offer it takes the stress out of finding the right car insurance. Here's your checklist:
  • Start by putting in your personal info - they handle it with the highest security standards.
  • Provide the details of your car - this helps them personalise your options.
  • Don't forget your current insurance details - this aids in refining their recommendations.
  • Soon, specialist insurance providers will contact you with bespoke quotes.

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Liverpool Car Insurance FAQs

Is car insurance in Liverpool expensive?

Compared to a lot of other cities in the UK, Liverpool car insurance is on the more expensive side. However getting quotes from multiple providers can save you a significant amount of money.

What other factors affect the cost of car insurance?

As well as your location, insurance providers also consider things like –

  • Your age
  • Your driving experience
  • How secure your car is
  • The level of cover you take out

 

What is the benefit of getting quotes online?

As well as enabling you to save money, getting quotes online is very quick and easy and you can browse them without any pressure.

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Liverpool Car Insurance Providers

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

Ian Beevis - Clean Green Compare Insurance Expert
Updated 20 December 2024Reviewed by Ian Beevis Insurance Expert