Stay Savvy. Drive Happy.

When you get car cover you need to give the value of your car. We can estimate your car’s worth by age and mileage but there are lots of tools online which can help you work out a car's worth. A ballpark figure is ok to use as insurers tend to pay out based on the average market value.

Breakdown cover

Courtesy car

Legal expenses

Lost or stolen keys 

Misfuelling cover

No claims discount protection

Personal injury

Windscreen repair and replacement

Insuring an electric car is usually more expensive than a petrol/diesel car. 

This is because they are often of higher value, have higher repair costs and the software they use can be costly too. So it’s worth shopping around for the best deal for your electric car cover.

Also known as telematics, it’s a way your insurer can monitor your driving behaviour. It could save you money if you prove you’re a safe driver and knowing you’re being monitored should encourage safer driving. But it does mean bad driving habits will cost you money.

Multi-car is as it sounds, a policy to cover multiple cars in one go. If you have a lot of cars at the same address then it can be cheaper. You could also get multi-car breakdown cover and some other extras which would apply to all the drives on the policy.

If you’re taking your car on holiday you can get cover for driving abroad. All UK car insurers cover driving in Europe as standard, but the level of this cover depends on the provider. You might not get the same level of cover as driving in the UK but you can usually pay extra to get full coverage.

This can happen if you deliberately don’t mention something to your insurer, you lie or if your details change and are not updated. You must truthfully tell your insurer your job, address, how you’re going to use the car, and your driving history. If your insurance is invalid your insurer can deny any claims and even cancel your cover.

Your job impacts your car cover costs because of risk. If your job is seen by insurers as particularly risky, your quote will reflect this. It costs more if your job means you’re on the road a lot, like delivery drivers, couriers or construction workers. Always be honest – if you lie you could invalidate your cover.

When shopping around for the best insurance deals, remember to look at ratings from sites like Trustpilot, Moneyfacts and Defaqto. Plus FCA regulations. We work with 170 trusted UK car insurer companies.

Lease cars don’t belong to you, you’re just paying until the end of your contract. And like with any car, you need cover. You are legally responsible for arranging car insurance, even though you do not own the vehicle. You can compare quotes and get the right deal in the same way as any car insurance. 

DOC means Drive Other Cars and like its name it means you can drive any other car with third-party only cover, even if your own policy is comprehensive. Although some insurers do not include it anymore it hasn’t gone away completely. You’ll need to check the T&Cs of your comprehensive car insurance to see if you’ve got it.

It’s a good idea to check your car policy before towing anything as not all providers allow it. And if it is included in your policy there might be restrictions on the size and weight of what you can tow. Towing something like a caravan which is bigger or heavier than permitted in your policy will invalidate your cover.

If your car is written off or stolen, your insurance will pay for this based on the car’s current market value, which is likely less than what you paid. GAP (Guaranteed Asset Protection) cover is a standalone policy which is to make up the difference between the price you paid for the vehicle and its current market value.