Car insurance

  • You could save up to £518*

  • Compare quotes from 110+ UK insurance providers.

OVER 100+ PROVIDERS

OVER 100+ PROVIDERS

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Van
Moterbike
Convictions
fleet
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Trader
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Key Protections in a Great Car Policy

What Does A Great Car Policy Cover?

✓ Accidental Damage & Repair:

Cover for your vehicle following an accident.

✓ Theft, Fire, and Vandalism:

Protection if your car is stolen or maliciously damaged.

✓ Third-Party Liability:

Mandatory cover for damage or injury caused to others.

✓ Legal Cover Options:

Protection for legal costs related to claims.

✓ Breakdown and Courtesy Car:

Optional add-ons often available through the insurer.

Why choose Seopa Limited?

Largest Panel

Access the largest panel of UK insurers instantly.

All Driver Types

Policies for all driver types: young, experienced, and high-risk.

Fast & Secure

Fast, secure quote process powered by Seopa Ltd technology.

How Your Details Shape Your Van Premium

How Your Details
Affect Your Van Premium

Car Type and Weight

Larger, heavier, or specialized vans typically
cost more.

Usage

Is it for 'carriage of own goods' or 'haulage' (carrying goods for others)?

Security

Car Alarms, trackers, and where the car is parked overnight.

Driver History

Claims and convictions, particularly related to commercial driving.

Finding Your Best
Quote is as Easy as 1-2-3

Tell Us About Your Cover

Fill in the quick, secure form with key details about what you need to insure (e.g., your car, van, or home). It takes minutes.

We Compare Instantly

Our powerful Seopa Ltd technology instantly searches quotes from a massive panel of UK insurers and partners to find your cheapest deals.

Choose & Save

Review the best prices and policies on a clear results page, select your perfect cover, and get insured—saving time and money.

Get Quote

Car Insurance Quote Tips

  • For renewal quotes, remember to include the extra No Claims Bonus year you may be entitled to when your current policy ends.

  • Adjust voluntary excess to reduce your quote and find a balance you're comfortable with.

  • Adding a more experienced named driver such as a family member, can often reduce your price. it is important that the named driver must actually drive the car.

How to find car insurance

Car insurance is a mandatory expense for drivers in the UK, but it doesn't have to be costly. By employing the right strategies, you can find car insurance that provides adequate coverage without straining your budget. This guide explores various tips and tricks to help you secure affordable car insurance in the UK, ensuring you stay protected on the road without overspending.

Shop around and compare quotes

One of the most effective ways to find car insurance in the UK is to shop around and compare quotes from different providers. Use online comparison websites to quickly see which insurers offers the best rates for the coverage you need. Remember that the cheapest policy isn't always the best, so ensure the coverage meets your requirements.

Evaluate your cover needs

Assess your coverage needs carefully. If you have an older car, you might not need comprehensive cover. Third-party insurance, which covers damages to other people and their property, is typically the minimum requirement in the UK. Tailoring your coverage to your specific needs can significantly reduce your premium.

Increase your voluntary excess

A higher voluntary excess means lower monthly premiums. If you can afford to pay a higher amount out-of-pocket in case of an accident, raising your voluntary excess can be a smart way to lower your insurance costs. Just ensure you have enough savings to cover the excess if needed.

Drive a low insurance group car

Cars are categorised into insurance groups from 1 to 50, with group 1 often being the cheapest to insure. Driving a car in a lower insurance group can significantly reduce your insurance costs. Consider this factor when purchasing a new car.

Avoid modifications

Adding modifications such as performance mods, like engine upgrades or suspension changes, can increase the risk and cause higher premiuims. Similarly, aesthetic modifictaions like tinted windows and spoilers can increase the risk of theft.

Add a named driver

Adding a named driver, especially if they are an experienced driver with a clean driving record, can sometimes reduce your insurance premium. However, be honest about who the main driver is, as fronting (when a more experienced driver is named as the main driver while a less experienced driver is the actual primary user) is illegal and can invalidate your insurance.

Limit your mileage

Insurance premiums are often based on the number of miles you drive each year. If you can limit your annual mileage, you might qualify for a lower premium. Be honest about your mileage estimates, as providing inaccurate information can invalidate your policy.

Consider the use of your car

The way you use your car can affect your insurance premium. Policies are generally cheaper for vehicles used for social, domestic, and pleasure purposes rather than for business use. If you don't use your car for work commuting, ensure your policy reflects this.

Maintain a good driving record

A clean licence with no accidents or driving convictions will help you secure lower insurance premiums. Drive safely and adhere to traffic laws to maintain a good record.

Improve your security

Enhancing your car's security can lead to lower premiums. Parking your car in a garage or a secure driveway rather than on the street can reduce the risk of theft and damage, leading to cheaper insurance.

Review your policy annually

Car insurance premiums can change over time, so it's important to review your policy annually. Even if you're happy with your current insurer, it's worth comparing quotes each year to ensure you're still getting the best deal. Never automatically renew with your current provider and always shop around.

Take advantage of discounts

Many insurers offer various discounts that can help reduce your premium. These can include:

No Claims Discount (NCD) / No Claims Bonus (NCB):

The longer you go without making a claim, the higher your NCD discount will be.

Telematics Insurance:

Also known as black box insurance, this type of policy uses a device to monitor your driving habits. Safe drivers can benefit from lower premiums.

Security Discounts:

Installing approved security devices like alarms and immobilisers can lower your premium.

Annual Payment Discount:

Paying your premium annually rather than monthly can often reduce the overall cost.

Car Insurance

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.

Van Insurance

51% of consumers could save £685.51 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2025. The savings you could achieve are dependent on your individual circumstances.

Motorbike Insurance

51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in June 2025 were quoted less than £255.01. The price you could achieve is dependent on your individual circumstances.

Home Insurance

51% of consumers could save £241.88 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025. The savings you could achieve are dependent on your individual circumstances.

Pet Insurance

Price per month for cover based on a cat, Ozzie, 6 months old, no known medical conditions, up-to-date vaccinations, and microchipped. Based on quote data provided by Seopa Ltd during June 2025. The quote price you could achieve is dependent on your individual circumstances.

Disclaimer

The information in each article is intended for editorial purposes only and not intended as a recommendation or financial advice.

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