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  • Get quotes from over 100 of the leading providers and choose the best deal for you. You could save over £200*

Compare Car Insurance Quotes Online, Wherever You Are, With Help From

For all types of motor and car insurance, whether it’s cheap vehicle insurance for your day-to-day transport, an auto insurance quote for your business vehicle, or a family motor insurance policy to cover you on your travels, may be able to help you find a great deal.

We’ve teamed up with leading comparison experts Seopa, to help you compare auto insurance quotes from up to 100 different companies which are members of their UK insurance panel.

Getting your vehicle insurance quotes is as simple as one, two, three.

One - Give details about your car

Two - Give details about what type of insurance cover you want

Three - Wait seconds for your quotes - there could be dozens!

These will be arranged in order from the cheapest to the most expensive, with each also showing what’s included in the policy. These might include windscreen cover, the level of compulsory and voluntary excess, and whether any monthly payment plan (with or without a deposit) is available.

Each quote will be saved in your own Quote Centre for you to review at any time. The system also remembers your details, so new motor insurance quotes can be found instantly. Your Quote Centre is also the place to look to compare quotes for a variety of different insurance types, besides your vehicle insurance.

The system is yours to use completely free of charge. The insurance comparisons are completely impartial, and by signing up to receive them, you’ll become one of three million people who have compared insurance quotes using Seopa.

So see whether you could save money on your motor insurance, and find a great deal in no time, brought to you by Seopa and!

A Guide To Car Insurance

If you own or drive a car, the law says you need car insurance. It’s an essential if you drive a car on any UK roads, the only exception being if the car is subject to a Statutory Off-Road Notification (SORN) with the DVLA.

There are three main levels of vehicle insurance. You may be aware of these, but not know of the differences between them, so here’s a brief outline:

Third party only

This is the basic, legal minimum form of insurance, designed to cover the cost of any damage incurred to anyone else’s vehicles or property while driving. For example, if a driver is in an accident with another car, the driver whose fault the accident was is liable for putting right the damage to the other person’s vehicle, as well as for any medical expenses they might incur while being treated for their injuries. Note, though, that third party only insurance does NOT cover the cost of repairing the damage to the driver who is deemed to be at fault.

Third party, fire and theft

One step up from third party-only insurance, this also covers the cost of replacing a car if it’s damaged by fire, or stolen.


This provides all the cover listed above, but under such a policy, the insurer will also cover the cost of repairs to a vehicle belonging to an at-fault driver.

Your motor insurance may also cover you when you drive other cars, including ones which you have hired. As a policyholder, you may also be able to nominate other drivers to be insured under the same auto insurance policy when they are driving your car.

Special coverage

Car insurance providers may also offer cover for a variety of special groups of drivers, such as:

  • Young drivers. Motor insurance customers aged under 25 are typically involved in more accidents than average. So if you are in this age group, it may be worth looking for an auto insurance provider which specialises in providing cover for this age group.
  • Older drivers, typically aged 50-plus. If you fall into this category, you may also be able to benefit from a policy available exclusively to you.
  • Drivers with a poor driving record. Many mainstream insurers will refuse cover in these cases. But there is a sizeable number of specialist auto insurance providers which meet this demand.
  • Commercial drivers and people who drive in the course of their business may also need specialist vehicle insurance cover.

Insurance Policy Extras

You may also be offered cover for a number of optional contingencies, all of which are likely to add extra value to your motor insurance, but which will increase its cost. These typically include:

  • Breakdown cover. This provides roadside assistance for a policyholder should their car break down.
  • Legal expenses cover. This will cover the cost of pursuing a claim for compensation, including loss of earnings, arising from an accident involving the policyholder.
  • Windscreen cover. Covering the replacement of a damaged windscreen, this is typically included in a comprehensive policy, but can be bought as an add-on to third party, or third party, fire and theft cover.

Motor Insurance Groups

Companies providing auto insurance group all vehicles into a number of categories as part of their process to help them decide the basic level of premium a driver should pay. These groups are numbered from 1 (the lowest) to 50 (the highest), and each make and model of car is put into a group on this scale, according to a number of factors. These include the purchase price of the car, its engine size, the cost and ease of availability of spare parts, and the time taken to carry out repairs. Taking into account all of these factors, the lower the group of their car, the cheaper a driver’s vehicle insurance will tend to be.

How To Compare Auto Insurance Policies

The best starting point for comparing different vehicle insurance offerings is to be sure that you’re matching up like with like. For instance, you should try to only compare third party policies with each other, and if you are comparing comprehensive motor insurance policies, you will need to consider the number and level of any extra features (as outlined above) to get a true, equally-based, picture. Only by doing this can you truly be sure of getting the best vehicle insurance deal.

It might even be the case that, depending on the car, and the driver’s personal circumstances, comprehensive motor insurance may only cost a little more than third party insurance cover.

How To Minimise Motor Insurance Premiums

There are a number of possible ways in which you could do this, the most obvious being to own a car in one of the lowest insurance groups. Typically, this means a newer and perhaps smaller car. But this is only one part of the picture, as insurance companies also use other information, such as the main driver’s age, gender, and driving record.

Your home address may also be a factor, as insurers categorise areas according to their official crime statistics, believing a vehicle more likely to be damaged or stolen if it is kept in one.

Ways in which you might reduce your motor insurance premiums include:

  • By avoiding making claims. This builds up a no-claims discount, which increases with the number of claim-free years a policyholder accumulates.
  • This no-claims discount can often be transferred between insurance providers, so that a driver can take advantage of a better deal offered elsewhere.
  • The existence of a no-claims discount won’t necessarily prevent an insurer from increasing premiums. The discount is applied whatever the level of the premium, so it could increase even if the discount does not change.
  • Two separate levels of excess are applied to most motor insurance policies. One is set by the insurer, as an integral part of the policy (usually called the compulsory excess). The second (known as the voluntary excess) is an amount which a driver agrees to pay themselves towards the cost of any claim. A driver can increase this voluntary excess amount, but should be aware that they may be more out of pocket should they need to make a claim.
  • Modifying your car, especially if this involves using parts or add-ons not supplied or expressly approved by the manufacturer. You should consult your insurance company before you do this.
  • Paying your premium once a year in a single, lump sum. Auto insurance companies treat policyholders who pay by monthly instalments as ‘borrowers’, as effectively they’re being loaned the money to pay for their cover over several months. This can add a significant amount to the overall cost of their motor insurance.


*51% of consumers could save £200. Seopa split the providers on our system into different categories. They then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, we selected the cheapest of either the high volume sales providers or other providers (“the cheapest selected quote”). We then compared the cheapest quote on our system against the cheapest selected quote. We then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.