What is the best car insurance in 2020? | moneyfacts.co.uk

Michelle Monck

Michelle Monck

Consumer Finance Expert
Published: 05/11/2019

How do we review which car insurance policies get the best rating?

As part of our industry-recognised star ratings system, Moneyfacts looks at all the car insurance products available in the UK marketplace. Our in-house experts carefully analyse and compare the various elements that are offered by each product to understand what benefits these bring to the customer. Car insurance policies are then assigned a star rating that reflects their performance.

Those that offer the most comprehensive range of standout features and benefits are awarded our top rating of five stars.

How does a star rating help me find the best car insurance?

Our independent and impartial star ratings provide consumers with an expert view of the whole market. Customers use our star ratings as an honest and reliable way to identify the products and providers that offer the best benefits.

Featured car insurance providers

Featured provider

Key features

Find out more

Axa Car Insurance

 

  • Pay out 99% of car insurance claims
  • Uninsured driver promise
  • Wrong fuel cover
  • 24/7 emergency helpline
  • Courtesy car for as long as your car is being repaired
  • Lifetime guarantee on repairs for as long as you own the car

 

John Lewis Car Insurance

 

  • Misfuelling Cover
  • Uninsured Driver Protection
  • UK Call Centre
  • Courtesy Car
  • Onward Travel Cover
  • 90 Day European Cover

 

Swinton Car Insurance

 

  • Car Insurance from £168 a year.
  • If your car is damaged,  Comprehensive policies will cover the repair cost up to the market value of your car (this includes both accidents and malicious damage).
  • If your car is damaged or a total loss due to fire or theft Swinton will pay out up to the market value of your car.
  • Windscreen Cover is included in all of Swinton Comprehensive Car Insurance options so you don’t have to buy it separately.
  • Swinton have over 60 years' experience in finding Car Insurance.

 

Carole Nash Car Insurance

 

  • Classic car insurance specialist.
  • Up to £100,000 legal cover for non-fault accidents.
  • UK & European breakdown cover.
  • Agreed value available.
  • Salvage retention rights.
  • Up to 15% discount for club members.
  • Choose your own specialist repairer.
  • Shows, rallies and events cover.
  • Have a rating of ‘Great’ from 4,500 reviews on Trustpilot.
  • Have gained recognition with numerous awards and commendations down the years.
  • The Carole Nash team boast a wealth of expertise when it comes to classic car insurance, so you can be confident you’re dealing with the very best.

 

By Miles Car Insurance

 

  • A fairer kind of car insurance for lower mileage drivers.
  • Simple, straightforward car insurance that you pay by the mile.
  • The less you drive, the less you pay.
  • Pay for what you use and always be covered by fully comprehensive insurance. No Claims Bonus protection comes as standard.
  • Instantly see the exact cost of each day’s driving in our app, then pay for what you’ve driven monthly. Simple as that.
  • Stay in complete control with simple bills, reminders and features to help you take care of your car on a daily basis.

 

 

Get an insurance quote

An alternative to working with the insurance providers above is to use an insurance broker. Quotezone offers you an immediate quote from their selected panel of insurers.

Find out more

Disclaimer

The list of car insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. Moneyfacts.co.uk will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions.

What parts of the car insurance policy do we look at?

  • Compulsory excess
  • Voluntary excess discount
  • Multi-car discount
  • No claims discount
  • No claims discount protection
  • Uninsured driver cover
  • Telematics
  • Courtesy car
  • New car replacement
  • Transport from accident
  • Loss/theft of keys
  • Driving other cars
  • Personal accident
  • Legal assistance
  • Breakdown cover
  • Audio equipment cover
  • Sat nav cover
  • Medical expenses limit
  • Repair guarantee
  • Misfuelling cover
  • Foreign usage availability and limits
  • Windscreen cover
  • Child seat cover
  • Vandalism cover
  • Personal belongings
  • Set-up fees

 

Car insurance – Five Star

Car insurance - Five star

  • 1st Central - Private Car Premier
  • 1st Central - Private Car Plus
  • 1st Central - Private Car
  • AA - Car Insurance AA Members
  • AA - Car Insurance Non Members
  • Admiral - LittleBox
  • Admiral - Car Insurance
  • Admiral - MultiCar
  • Admiral - Plug & Drive
  • Age Co - Motor Insurance
  • Ageas - Car Insurance
  • Aston Lark - Elite Motor Insurance
  • Aviva - AvivaPlus Premium
  • Aviva - AvivaPlus Regular
  • Aviva - Motor Insurance
  • Aviva - MultiCar Insurance
  • AXA Direct - Car Insurance
  • Bell - Plug & Drive
  • Brightside - Car Insurance
  • Budget Insurance - Private Car Policy
  • By Miles - Car Insurance
  • Churchill - DriveSure Car Insurance
  • Churchill - Car Insurance
  • Confidas - Motor Lux
  • Confidas - Motor Max
  • Co-op Insurance - Motor Car Insurance
  • Covéa Insurance - Private Car
  • Debenhams - Private Car Insurance (Southern Rock Insurance)
  • Debenhams - Private Car Insurance (Watford)
  • Dial Direct - Premier Car Insurance
  • Dial Direct - Car Insurance
  • Diamond - Car Insurance
  • Direct Line - Select Premier
  • Direct Line - DrivePlus Car Insurance
  • Direct Line - Car Insurance
  • Elephant - Car Insurance
  • Endsleigh - Car Insurance
  • esure - Car Insurance
  • Fiat Insurance - Motor Insurance
  • First Alternative - Car Insurance
  • Forces Mutual - Car Insurance
  • Ford Insure - Car Insurance
  • Geoffrey Insurance - Car Insurance
  • GoSkippy Insurance - Private Car Insurance (Southern Rock Insurance)
  • GoSkippy Insurance - Private Car Insurance (Watford)
  • Hastings Direct - Hastings Premier Car Insurance (XA)
  • Hastings Direct - Hastings Direct Car Insurance (XA)
  • Hastings Direct SmartMiles - Car Insurance
  • Hedgehog - Private Car
  • Home & Legacy - Ultimate Motor Insurance
  • Home & Legacy - Premier Motor Insurance
  • Honda - Car Insurance
  • Hughes Insurance - HughesDrive
  • iGO4 Insurance - iGO4 Insurance
  • iGO4 Insurance - iGO4 More
  • insurePink - Car Insurance (XA)
  • Jeep Insurance - Motor Insurance
  • John Lewis Finance - Car Insurance
  • LV= - Car Insurance
  • M&S Bank - Premier Car Insurance
  • M&S Bank - Standard Car Insurance
  • Mercedes-Benz Insurance - Motor Insurance
  • MORE TH>N - Car Insurance
  • NatWest - Premier Motor Insurance
  • NFU Mutual - Car Policy
  • Nissan Insurance - Optima Car (Ageas)
  • O2 - O2 Drive
  • O2 - O2 Drive Box on Board
  • People's Choice - Car Insurance (XA)
  • Police Mutual - Car Insurance
  • Police Mutual - Family Car Insurance
  • Police Mutual - Narpo Gold
  • Porsche - Car Insurance
  • Post Office Money - Over 50s Car Insurance
  • Privilege - Comprehensive Plus Car Insurance
  • Privilege - DriveXpert
  • Privilege - Comprehensive Car Insurance
  • Provident Insurance - Car Insurance
  • RAC - Black Box Insurance
  • RAC - Car Insurance Plus
  • RIAS - Car Insurance
  • Royal Bank of Scotland - Premier Motor Insurance
  • Saga - Saga Car Motor Insurance
  • Saga - Saga Essential Motor Insurance
  • Sainsbury's Bank - Car Insurance
  • Santander - Car Insurance
  • Sheilas' Wheels - Car Insurance
  • smart - Motor Insurance
  • Swiftcover - Car Insurance
  • Swinton Insurance - Premier Car Insurance
  • Swinton Insurance - Classic Car Insurance
  • Tesco Bank - Tesco Bank Car Insurance
  • Vavista - Private Car Insurance (Southern Rock Insurance)
  • Vavista - Private Car Insurance (Watford)

Car insurance – Four Star

Car insurance - Four star

  • Ageas - Car Insurance Essentials
  • Ageas - Optima Car
  • Ageas - Motor Guard
  • Alfa Romeo Insurance - Motor Insurance
  • Audi Insurance - Car Insurance
  • Aviva - AvivaPlus Basic
  • AXA Insurance - Car Plus
  • AXA Insurance - Car Insurance
  • Bank of Scotland - Car Insurance
  • BMW Insurance - Car Insurance
  • Carole Nash - Six Wheel Insurance
  • Cornish Mutual - Private Motor Vehicle Insurance
  • CSIS - Car Solutions Insurance
  • Darwin - Car Insurance
  • Fish Insurance - Car Insurance
  • General Accident - Telematics Car Insurance
  • Go Girl - Private Car Insurance
  • Halifax - Car Insurance
  • Hughes Insurance - Car Insurance
  • Insure 2 Drive - Private Car Insurance
  • Lexus Insurance - Motor Insurance
  • Lifesure Group - Motor Insurance (40+)
  • Lloyds Bank - Car Insurance
  • LV= Broker - Clear Car Insurance
  • Markerstudy Insurance Services Limited - Private Car Insurance
  • Markerstudy Insurance Services Limited - Telematics Insurance Policy
  • MINI - MINI Car Insurance
  • MORE TH>N - Smart Wheels Car Insurance
  • Nissan Insurance - Motor Guard (Ageas)
  • Post Office Money - Under 50s Car Insurance
  • Quotemehappy.com - Car Insurance
  • Seat - Car Insurance
  • Skoda - Car Insurance
  • Ticker - Car Insurance
  • Toyota Insurance - Motor Insurance
  • Vauxhall Insurance - Motor Insurance
  • Volkswagen Insurance - Car Insurance
  • WiseDriving - Intelligent Car Insurance
  • Zurich - Car Soltuions Plus Insurance
  • Zurich - Car Solutions Insurance

How to cut car insurance costs – 4 tips to keep down your premium

1. Avoid auto-renewing your insurance

Insurance customers that do not shop-around can find that their renewal quote creeps up year after year. While auto-renewing is convenient and can help to make sure you are not accidentally uninsured it could cost you more money. This is because of a practice called ‘price walking’ where insurers creep up their renewal prices despite there being no change in the customer’s risk profile.
The Financial Conduct Authority (FCA) has identified 6 million policy holders that were paying high or very high amounts for their insurance policy (across home and car insurance) in 2018. The regulator is seeking to stop price walking, but until then those wanting the cheapest car insurance need to be vigilant and continue to shop around for the best insurance deals.

2. Make a diary note to start getting quotes one month before your policy expires

Research from moneysavingexpert shows that the best time to get insurance quotes is between 20 to 26 days before your policy expires. Their research suggests that insurers include the amount of time allowed for getting car insurance quotes as a risk indicator. Those that leave it to the last-minute pay more for their car insurance on average.

3. A multi-car policy could save money for families with more than one car

Some insurers offer discounts for insuring multiple cars with them. You should still shop around to compare the premiums.

4. Check the interest rate charged if you pay your insurance monthly

If you pay your insurance monthly, you will usually be charged interest on the total quoted for your car insurance policy. This is because the insurer is lending you the money to pay for the policy upfront and you are then paying back this debt to the insurer. If you can pay upfront this will save you interest costs. If you need to pay monthly then check the interest rate you will be charged and include this when you compare the cost of car insurance quotes.

When is the best time to renew car insurance?

Getting a car insurance quote too soon or too late could cost you extra pounds according to research conducted in 2019 by moneysavingexpert. This showed that the lowest car insurances rates available through insurance comparison sites was between 20 to 26 days before your policy is due to start.
Insurers base their pricing on risk, and this includes your driving history, location and vehicle type along with other factors. The research from moneysavingexpert suggests that insurers also use how much time you allow to get a quote before your policy start date as a risk indicator. Those who plan ahead allowing about three weeks before their policy start date are seen as less of a risk than the equivalent applicant requesting a quote closer to their start date.

How to find car insurance quotes

The best insurance policy should combine a competitive price, product features and cover that you need with a good experience if you should need to make a claim. Before you start to search price comparison sites, you should have a look at review and ratings to see which insurers have a good reputation.
We’ve listed above those car insurers and their specific policies that have been recognised by Moneyfacts with a four- or five-star rating – this is based on their product features. This will help you to apply directly to those insurers that offer good quality car insurance policies.
Review sites can also be a good source to find out people’s experiences of claiming through a car insurance company.
Once you have an idea of those insurers that should meet your needs in terms of a good quality product and a positive claims experience you can then look for the lowest price either directly, using our table above or through a comparison site.

Can you get an insurance quote before buying a car?

Yes, you can use a comparison site and the car’s registration details to find out how much this might cost to insure if you go ahead and buy the car. Sometimes when you a buy a car from a dealer it will come with seven days’ free insurance.

Why are my car insurance quotes so high?

The cost of your insurance will depend on your own personal circumstances, your vehicle, where you live and then a range of elements that affects the insurers total costs such as the level of claims, insurance tax and the number of personal injury claims.
Penalty points and previous accidents or moving to an area with higher levels of crime can all increase your insurance premium.

How to get car insurance quotes online

You can choose to either get car insurance quotes online directly from the insurer or from a comparison site. You should be prepared with the details of any additional drivers you want to have on the policy, your no claims bonus details, your car registration details and details of any claims or accidents you have had in the past.

How long does a car insurance quote last for?

Each insurer will state how long their car insurance quote is valid for. Some insurance firms choose to update their pricing as and when required, while others allow for quotes to be valid for a set number of days. Quotes can be valid for 30 days or up to 90 days. If you obtain a quote and then need to make a change, this can also change the price you are quoted.

Car insurance FAQs

How to get cheap car insurance for 17-year olds?

Younger drivers can often lower their insurance premiums by using a tracking device in their vehicle, this monitors their driving speed and style, as well as the times of day or night that they drive. A score is then applied and if this is good there is the potential for a lower rate at renewal. Sometimes this ‘black box’ insurance policies also restrict when you can drive, for example after 10:00 at night.

Does a car insurance quote affect your credit score?

When you get a car insurance quote, the insurance provider will run a soft credit check to check your details. They will only perform a full credit check if you decide to pay for your insurance monthly. This is because when you pay for your insurance monthly you are in fact borrowing the full cost of the premium from the insurer and then paying this back each month. This means you are also usually charged interest on the monthly payment too.

A soft search to check your identity does not have an impact on your credit score, you will only see an affect on your credit score once a hard check is made if you decide to pay for your policy monthly.

Find out more about credit checks.

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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