If you are looking for cheap car insurance in UK, you are in the right place. There are many insurance companies in UK offering car insurance coverage that it makes it difficult for you to find the right one. Getting the right cover is the most important thing, and then you should look for the cheapest policy. So it is definitely not only about price, but a combination of the best policy with the cheapest price.
First and foremost, you must make sure you have the right level of cover for your insurance. Here is an introduction to what that means.
There are several levels of car insurance coverage in the UK where you can select based on your needs and they are fully comprehensive, third party with fire and theft, and the last coverage is third party cover only. Let’s discuss all three coverage in details before we get cheap car insurance in UK.
It gives you financial protection for accidental damage, fire, theft and any damage to third party property in the event of an accident. Many fully comprehensive policies will also include cover for others such as personal injury, glass damage, and personal items coverage. In general, comprehensive coverage offers a lot more protection than the other insurance levels, but each company will offer different benefits so you have to check with them.
The second coverage is third party with fire and theft
Third party, fire and theft cover will not pay out for any damage to your own car in the event of an accident. It only covers another driver’s vehicle. However you could claim theft, or for the loss of your car if it were stolen. You can also claim if your car is damaged by fire.
The last one is third party cover only
This is the most basic level of insurance coverage, and it will only pay you to cover the damage to other people and their property. Legally, this is the minimum level of coverage you must get to drive in the UK. Some insurers will not offer this level of coverage since it is not sufficient to cover the cost of accident damage to the car which most people won’t do.
Now that you know about coverage, where do you get the cheap car insurance in UK? Here is a list of the top rated car insurance with the best cost compared to the quality of the coverage.
In random order, they are Aviva, Adrian Flux, Direct Line, Admiral, RAC, and Think Insurance. Please make sure you compared at least three cheap car insurance in UK before making a choice.