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Protect Your Journey: Choosing the Right Second Car Insurance

If you have a second car, then you’ll need to get it insured. Some people choose to insure all of their cars together on a multi-car policy. While this is a convenient option, it doesn’t always work out to be the cheapest. This is because most insurance providers will only let you use your no claims discount on one car. This being the case, it’s a good idea to get quotes for your second car to make sure you get the best deal possible.

You can get second car insurance quotes now by clicking the green button. The quotes are tailored to your specific needs and will be available to you in just minutes.

Did you know…?

Second car insurance policies can sometimes be cheaper when compared to multi-car policies,

Why Second Car Insurance Is Important

Getting cover your second car is just as important as for your main car, even if you don’t use it as often. To be road legal you must have third party only insurance for your second car at a minimum.

Different Types Of Second Car Insurance

The type of car insurance you opt for will determine the level of coverage you secure. The main types available in the UK include:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and is the minimum legal requirement in the UK. It takes care of injuries to others and damage to other people's property, but it does not cover any damage to your own vehicle.
  • Third-Party, Fire and Theft Insurance: This includes everything within Third-Party Only coverage, with additional coverage against the loss or damage of your car due to fire and theft.
  • Comprehensive Car Insurance: This offers the highest level of coverage. It includes all elements from the Third-Party, Fire and Theft policy, and might also assist in covering the cost of repairing or replacing your vehicle, regardless of the cause of the accident.

Did you know…?

You can build up a separate no claims discount when you take out a new policy for a second car.

Why It's Important To Compare Second Car Insurance Quotes?

Below are some of the best reasons to get Second Car Insurance quotes.

  • They allow customisation of search results based on individual needs, such as coverage type and excess amount, for a personalised experience.
  • These services don't require commitment or purchase; they can be used as research tools.
  • They promote competition among insurers, often leading to better pricing options.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.
  • The real-time comparison of prices from various insurers aids in making an informed decision.

Additional Forms Of Second Car Insurance Cover

Tailor your Second Car Insurance policy so it’s perfectly suited to your needs.

  • Windscreen Cover: A clear view is crucial when you're on the road. This cover ensures your windscreen's protection against any damage.
  • Excess Protection Cover: Need to make a claim? Don't fret about the cost of your excess. This cover's got your back.
  • Key Cover: Lost keys or stolen ones, this cover sorts out the cost of replacement and the locksmith's charges.
  • Legal Cover: A legal dispute from a road incident can be a financial burden. This cover is there to lighten that load.
  • No Claims Discount Protection: Make a claim without worrying about your no claims discount. This cover ensures it stays intact.
  • Foreign Use Cover: Fancy driving abroad? This extends your cover overseas, offering the same level of protection as you enjoy back home.
  • Breakdown Cover: Car troubles mid-journey? This add-on offers roadside assistance whenever you need it.
  • Uninsured Driver Protection: An uninsured driver hit your vehicle? This cover ensures you're not left out of pocket, protecting your excess and your no claims discount.
  • Personal Accident Cover: If a severe accident happens, this cover provides financial support for you or any named driver for certain injuries.
  • Misfuelling Cover: Put the wrong fuel in your car by mistake? This cover shields you from any subsequent repair costs.
  • Courtesy Car Cover: If an accident sends your car to the garage, this cover ensures you're not left high and dry by providing a courtesy car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for replacing any child car seats, even if there's no visible damage.

Did you know…?

The value of your vehicle is one of the main factors that impacts cost, along with your age and occupation.

Ways To Save Money On Second Car Insurance

Below are some great ways to save money on your Second Car Insurance policy!

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.

Compare Second Car Insurance Quotes Now!

Comparing quotes turns car insurance shopping into a walk in the park. Here's the sequence:
  • First, key in your personal information - they take data protection seriously.
  • Next, share your vehicle's specifics - the more they know, the better they can assist.
  • Provide details about your current insurance - this enables personalised options.
  • Then, just relax as specialist insurance providers come up with tailored quotes.

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Second Car Insurance FAQs

Who is second car insurance suitable for?

Anyone who has a second vehicle they want to insure separately from their main vehicle can benefit from second car insurance.

How much will second car insurance cost?

This depends on a few key factors. The main ones being –


  • Your age
  • Your occupation
  • The value of your vehicle
  • The level of cover you require

How can I save money on second car insurance?

Some great ways to save money are –

  • Parking your car safely in a garage or driveway/li>
  • Getting a limited mileage policy
  • Paying annually