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How to get the best car insurance deal

Finding the perfect car insurance quote is easy with our handy comparison tool, so with just a few clicks you can select from the best offers while you'll also get money back when you switch through us.

To compare car insurance quotes, simply;

1. Join TopCashback
2. Head over to our Car Insurance Comparison tool
3. Enter your registration and click 'Find Car'
4. Enter details about yourself and the vehicle
5. Choose a policy type, excess and start date
6. Browse through the results to find the best car insurance deal for you

Car Insurance FAQ

Need some help with knowing what car insurance you need or anything else? Our car insurance FAQs will answer all of your most pressing questions and help you to get the best insurance quote to suit you.

• What is car insurance?

  Car insurance is a type of insurance policy that covers the damage and/or injury to the car, its passengers and any other party involved in an accident.

  The car insurance policy is used primarily by the car owner to protect the car from losses caused due to fire, theft, natural disasters and accidents. However, if the car owner is found negligent for causing the accident, the insurance company can decline to pay for the damages.

  Car insurance companies offer various insurance plans, from third party to fully comprehensive insurance, so you can choose the cover you want depending on your vehicle and how often you drive. A cheap car insurance policy is one that only covers damage to a third party, while a more expensive comprehensive car insurance policy also covers damage to your own vehicle.

• How much does car insurance cost?

  With the average cost of car insurance in the UK ranging from around £850 for those in their 20s to £450 for those in their 50s, it’s no wonder that many drivers are looking for ways to save money on their insurance.

  Online car insurance comparison sites like TopCashback allow drivers to compare quotes from more than 100 different insurers and find the policy that suits them best.

• Why compare car insurance with TopCashback Compare?

  If you are looking to compare insurance quotes online with TopCashback Compare, we've made it as quick and easy as we can for you to compare cheap car insurance deals and get the best price.

  By using our simple car insurance comparison tool, you can compare quotes from a variety of top insurance providers in order to get the best deal. To sweeten the deal, we'll also give you cashback every time you switch.

• What type of car insurance do I need?

  There are three types of car insurance:

  Third party insurance only covers you for damage or injury to a third party vehicle, so you're not covered for damage to your own car or yourself.

  Third party, fire and theft (TPFT) covers you for damage you cause to another person’s vehicle or property and also covers your own vehicle for fire and theft.

  Fully comprehensive insurance covers you for any damage or injury to yourself or another party, or damage to your own car.

• Do I need car insurance?

  The legal requirements for car insurance are quite strict and you must have insurance if you have either a car, motorcycle, van or other vehicle in active use on the road. If you're caught driving without car or van insurance, you can be fined, sent to prison or both.

  You must have at least third party car insurance on your vehicle, which covers your passengers and the driver, vehicle and property on the other side of the accident if you are at fault.

  If you have car insurance, anyone who is driving your vehicle must tell the insurer if they have had any previous driving convictions or if they are a new driver. If the information you give is incorrect, this can be a criminal offence. If you're the registered keeper of the vehicle and you don't have car insurance, you can be fined.

  If you drive a car that's registered, insured and taxed, you should carry your V5C registration certificate, insurance details and MOT certificate within the vehicle, although it's not a legal obligation.

• What affects the price of car insurance?

  There is a wide variety of factors that are considered for the cost of car insurance.

   Your age, driving experience, past convictions or car accidents, expected annual mileage, your job title and whether the vehicle is for private, commuting or business use, your location, where you park your car through the day and night, whether it's a modified vehicle or classic car, or if it's a van or some other vehicle type are all types of information insurance companies use to determine the price. 

  For example, if you’re a young driver, then you'll pay more for your insurance, because you're statistically more likely to make a claim due to inexperience. Your car’s make and model, your driving history and the number of miles you drive per year also play a part in how much you pay.