Compare Car Insurance

What to look for when comparing insurers

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Compare Car Insurance

If you drive a car you need to have car insurance in place. Getting the right level of cover is important and it is sensible to research all the options available to you when comparing car insurance prices from a range of providers. 

This guide should help you understand car insurance and assist with the decision making process - whether you’re buying car insurance for the first time or approaching renewal and are thinking of changing provider. We’ll also answer some of the most common questions on car insurance.

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You could pay less than £1601 for our Defaqto 5 Star rated Car Insurance Plus

RAC members pay £74 less on average for RAC Car Insurance than non-members3

RAC Comprehensive Car Insurance

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5 Star RAC Car Insurance Plus

Motor Legal Protection, FREE for 12 months, if selected*

yes

yes

Uninsured driver promise

no

yes

Vandalism promise

no

yes

Courtesy Car as standard (subject to availability and eligibility)

yes

yes

Repairs guaranteed for 3 years at approved garages

yes

yes

Child Seat Cover

no

yes

Personal Accident Cover

yes

yes

Travel home after an accident

no

yes


Third Party Fire and Theft and Third Party Only cover is also available. Compare our levels of car insurance here

Contents:
What affects my quote?
Cheapest isn’t always your best bet
Picking the right level of cover
Why upping the excess could be risky
Is black box cover cheaper?
Extras and perks
Car Insurance in someone else's name
Further reading

What affects my quote?

Many factors affect the price of your car insurance. For example, if you have a long driving history and haven’t been involved in any accidents, this can help to lower the cost – if you’ve built up several years of NCD (No Claims Discount), insurers may offer you a discount on your insurance premium. If you add another experienced driver to the policy - someone who will share access to the vehicle - this might result in a lower quote. Adding a new, inexperienced driver might have the opposite effect. However, keep in mind that if you add a driver to your policy, it’s expected that you’ll be driving the car more than they do, otherwise you risk ‘Fronting’, which is illegal. 

The type of car you drive is also one of the major factors in determining price. All new car models are placed in an insurance group, numbered from 1 to 50 - the higher the number, the more expensive the vehicle will be to cover. As such insurers take the make and model of your car into account when calculating the cost of your car insurance policy. There’s little you can do about that if you’re insuring an existing car, but if you’re considering buying a new one, you may want to consider what insurance group it falls into – find out more from Thatcham .

Other factors that insurers take into consideration when providing a quote are drivers occupations, age, where the vehicle is parked and any security features on the vehicle. 


Cheapest isn’t always your best bet

Of course, you may want to find the cheapest car insurance you can, but cost shouldn’t be your only consideration - it’s about getting great value along with the most suitable level of cover for your needs. Not all car insurance policies provide the same level of cover, so it’s worth you thoroughly checking the cover and benefits when you get your quotes. You shouldn’t just settle for a low price if the cover isn’t sufficient for what you need.


Picking the right level of cover 

There are usually three different types of car insurance policy.

Third party is the lowest level, providing cover if you cause damage to someone else’s property, but not for your own car. 

Third party fire and theft also covers your car if it is damaged in a fire or stolen. 

Comprehensive insurance covers you, and your vehicle, and your liabilities to other people in the event of an accident that is covered under your policy These three types of car insurance policy are available from the RAC.

A full list of what’s covered by each policy can be seen here. RAC Car Insurance Plus has a number of additional key features, including vandalism cover and uninsured driver promise, so you may want to compare this level of cover with quotes from other providers.


Why upping the excess could be risky

When you receive a quote for car insurance, it will include details of the excess you will have to pay in the event of a claim. There will be two amounts; compulsory and voluntary. Compulsory is set by the insurance provider, but you can set the voluntary excess amount yourself. Usually, lowering the voluntary excess may increase the overall price, while upping it will decrease the overall price. 

Bear in mind, though, that upping the excess could be risky. This is the amount of money you’re committing to paying yourself towards repairs in the event of a claim – note you have to pay both compulsory and voluntary excess. If you up the excess to a total of £250, for example, could you afford to pay that? 


Is black box cover cheaper?

Black box insurance could be a great way of saving money on your car insurance as it can reward careful drivers with a reduced premium at renewal time. However, this will depend on your own circumstances. With black box your driving performance is monitored and assessed to give you a Driver Score, and it’s this than can help reduce your premium at renewal. It’s worth remembering that a Driver Score can go up as well as down, depending on your driving. 


Extras and perks

Some car insurance providers might offer extras and perks as an incentive for choosing their services and as a reward for customers. Some of those features can include additional benefits, such as a courtesy car, breakdown cover or legal cover, or other perks such as discounts on other products. These could all add extra value to your car insurance policy.


Car Insurance in someone else's name

If you’re looking for car insurance in someone else’s name, be very careful. If you’re a parent putting your children on your policy as named drivers, you must make sure you’re still the main driver. When you take out car insurance, the main driver should be the individual who uses the car for the highest percentage of time. Taking out car insurance in your name but with the intention of someone else driving the car more frequently than you is called fronting - and it’s illegal.

Further Reading

Learn more about understanding car insurance, comparing policies and getting the best deal for you, by reading further content. Other useful articles include:
 

Find out more about how to get cheap car insurance with the RAC's guide to help you make an informed choice about the car insurance options available.

  

The make and model of car you drive influence the price of your car insurance policy. This guide explains how car insurance groups work.

  

This guide from the RAC answers all your questions on how car insurance works.

  

It can be expensive for new drivers to secure car insurance, largely because their inexperience means they won’t have built up a record of years of safe motoring. But, finding affordable car insurance is not an impossible task.

  

It’s easy to get confused about car insurance - but this myth-busting guide from the RAC should help you get your head around some of the common questions.

  

Read everything you need to know with our helpful guide.

  

110% of all customers buying Car Insurance Plus with us from 1st July 2018 to 31st December 2018 paid less than £160. Based on comprehensive Car Insurance Plus, purchased direct, excluding any additional products and upgrades, with payment on an annual basis. Your premium will depend on your circumstances and the level of cover you choose.

*This offer applies to new RAC car insurance customers for the first year only, unless you are an RAC member then this offer is also available at renewal of your existing RAC car insurance policy. Motor Legal Protection is attached to the car insurance policy and will end if and when the car insurance policy ends. The offer cannot be transferred to any other policy and there is no cash equivalent available. We reserve the right to amend or withdraw this offer at any time.

3Based on sales from 1st July 2018 to 31st December 2018 of RAC comprehensive car insurance, purchased direct, excluding any additional products and upgrades. Your premium will depend on your circumstances and the level of cover you choose.

Anywhere in Great Britain. Excludes Isle of Man and the Channel Islands.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

 

 


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