Top 10 Best Car Insurance Companies in the UK

Car insurance is compulsory in the UK, so it is important to choose the right company for you. There are many different factors to consider, such as price, policy features, and customer service. In this article, we will discuss the top 10 best car insurance companies in the UK. We will consider factors such as customer satisfaction, policy features, and price to rank the companies.

Top 10 Best Car Insurance Companies in the UK

Here are the top 10 best car insurance companies in the UK, based on factors such as customer satisfaction, policy features, and price:

1. Aviva Saga Car Insurance

Aviva is one of the UK’s largest insurance providers, offering a wide range of car insurance options. They are known for their reliability and comprehensive coverage, making them a trusted choice for many drivers.

2. Direct Line Saga Car Insurance

Direct Line is renowned for its competitive pricing and straightforward policies. They provide various coverage options and often appeal to cost-conscious consumers.

3. Admiral Saga Car Insurance

Admiral Group, which includes brands like Admiral, Bell, and Elephant, is a popular choice for UK drivers. They are known for their competitive rates and innovative features, such as multi-car policies.

4. LV= Saga Car Insurance

LV=, formerly Liverpool Victoria, is a well-established insurer known for its excellent customer service. They offer comprehensive car insurance policies with various options to suit individual needs.

5. Hastings Direct Saga Car Insurance

Hastings Direct is recognized for its affordability and a wide range of policy options. They often cater to drivers looking for cost-effective coverage.

6. Tesco Bank Saga Car Insurance

Tesco Bank provides car insurance with perks for Clubcard holders. They offer a variety of coverage options and are a trusted name in the UK financial industry.

7. Saga Car Insurance

Saga specializes in insurance for individuals over 50, offering tailored car insurance policies with additional features and benefits for mature drivers.

8. Churchill Car Insurance

Churchill is known for its humorous advertising campaigns and provides a range of car insurance options, including comprehensive coverage and additional benefits.

9. Esure Car Insurance

Esure is a reliable choice for car insurance, with options for extra coverage like breakdown assistance. They have a reputation for competitive rates and good customer service.

10. Co-op Insurance

Co-op Insurance stands out for its commitment to ethical values and customer service. They offer car insurance policies with a focus on delivering excellent customer experiences.

Types of Car Insurance Covers You Can Find In the UK

There are three main types of car insurance covers available in the UK:

  • Fully comprehensive
    • This is the most comprehensive level of cover and provides the most protection. It covers you for damage to your own car, as well as damage to other vehicles and property in an accident. It also covers you for theft, fire, and other events.
  • Third party, fire and theft
    • This level of cover provides the same protection as fully comprehensive, but it does not cover damage to your own car. It only covers damage to other vehicles and property in an accident. It also covers you for theft and fire.
  • Third party only
    • This is the cheapest level of cover and only covers damage to other vehicles and property in an accident. It does not cover damage to your own car, theft, or fire.

In addition to these three main types of cover, there are also a number of optional extras that you can add to your policy, such as:

  • Breakdown cover
    • This covers the cost of repairs if your car breaks down.
  • Personal accident cover
    • This covers you for medical expenses if you are injured in an accident.
  • Legal expenses cover
    • This covers the cost of legal fees if you are involved in a legal dispute.
  • Windscreen cover
    • This covers the cost of repairing or replacing a damaged windscreen.
  • Courtesy car cover
    • This provides you with a temporary replacement car if your car is being repaired.

The type of car insurance cover you need will depend on your individual circumstances and needs. If you are a young driver or have a bad driving record, you may need to take out a more comprehensive policy. If you have a valuable car, you may also want to consider taking out additional cover for theft and fire.

It is important to shop around and compare quotes from different insurers before you buy a car insurance policy. You can use a comparison website to make this process easier.

How To Choose Best Car Insurance Company in the UK?

Here are some tips on how to choose the best car insurance company in the UK:

  1. Get quotes from a few different companies. This is the best way to compare prices and find the best deal. You can use a comparison website to get quotes from multiple companies at once.
  2. Consider the level of cover you need. There are three main levels of car insurance cover: fully comprehensive, third party, fire and theft, and third party only. Fully comprehensive is the most expensive, but it provides the most protection. Third party only is the cheapest, but it only covers damage to other vehicles and property in an accident.
  3. Think about your personal circumstances. Your age, driving experience, and where you live will all affect the cost of your car insurance. If you are a young driver, you will likely pay more than an older driver. If you live in a city, you will likely pay more than someone who lives in a rural area.
  4. Consider the features of the policy. Some policies offer additional features, such as breakdown cover, personal accident cover, and legal expenses cover. These features can add to the cost of the policy, but they may be worth it to you.
  5. Read reviews of the company. This will give you an idea of how other customers have rated the company’s customer service, claims handling, and overall satisfaction.
  6. Ask about the company’s claims experience. How quickly do they settle claims? Are they easy to deal with?

Once you have considered all of these factors, you should be able to choose the best car insurance company for you.

Here are some additional tips:

  • Consider your driving habits. If you drive a lot, you will likely pay more for car insurance than someone who drives less.
  • Get a good driving record. A good driving record will help you get a lower car insurance premium.
  • Increase your no claims bonus. Every year you go without making a claim, your no claims bonus will increase. This will lower your car insurance premium.
  • Take a defensive driving course. Taking a defensive driving course can help you get a discount on your car insurance premium.
  • Shop around for car insurance every year. The cost of car insurance can change from year to year, so it is a good idea to shop around and compare quotes every year.

Car Insurance United Kingdom FAQs

Here are some frequently asked questions (FAQs) about car insurance in the United Kingdom:

  1. What is car insurance, and is it mandatory in the UK?
    • Car insurance is a contract that provides financial protection in case of accidents, theft, or damage to your vehicle. In the UK, it is mandatory to have at least third-party insurance to legally drive on public roads.
  2. What are the different types of car insurance available in the UK?
    • In the UK, there are three primary types of car insurance:
      • Third-party insurance: Covers damage to other vehicles, property, and injuries to others but not your vehicle.
      • Third-party, fire, and theft insurance: Adds coverage for fire damage and theft of your vehicle to third-party coverage.
      • Comprehensive insurance: Provides the broadest coverage, including damage to your vehicle, even if the accident is your fault.
  3. How is the cost of car insurance calculated in the UK?
    • Car insurance premiums are calculated based on various factors, including your age, driving history, location, type of vehicle, and the level of coverage you choose. Generally, younger and less-experienced drivers pay higher premiums.
  4. What is a no-claims bonus, and how does it work?
    • A no-claims bonus (NCB) is a discount on your insurance premium for each year you do not make a claim. It can significantly reduce your premiums over time and is transferable between insurers.
  5. Can I drive someone else’s car with my insurance?
    • It depends on your policy. Some comprehensive policies may offer a “driving other cars” extension, but it’s essential to check your policy documents or consult your insurer for specific details.
  6. What is an excess, and how does it affect my insurance?
    • An excess is the amount you must pay towards a claim before your insurance coverage kicks in. There are two types of excess: compulsory (set by the insurer) and voluntary (chosen by you). A higher voluntary excess often results in lower premiums.
  7. Is it possible to reduce my car insurance premium?
    • Yes, you can often reduce your premium by:
      • Increasing your voluntary excess.
      • Adding a named driver with a good driving history.
      • Installing security features in your car.
      • Paying annually instead of monthly.
      • Building a no-claims bonus.
  8. What should I do in case of an accident or claim?
    • If you’re involved in an accident or need to make a claim, contact your insurer as soon as possible. Follow their instructions, provide accurate information, and keep records of all correspondence and documentation related to the incident.
  9. Can I cancel my car insurance policy?
    • Yes, you can cancel your policy, but there may be fees and penalties involved. The terms and conditions for cancellation vary among insurers, so review your policy documents or contact your insurer for details.
  10. How can I find the best car insurance policy for my needs?
    • To find the best car insurance policy, compare quotes from multiple insurers, consider your specific coverage needs, and read reviews and customer feedback. It’s also a good idea to consult with insurance brokers or agents for personalized advice.


In conclusion, the choice of the best car insurance company in the United Kingdom can vary depending on individual needs, circumstances, and preferences. Car insurance in the United Kingdom is a legal requirement for drivers and serves as crucial financial protection in case of accidents, theft, or damage to vehicles. There are various types of insurance available, including third-party, third-party fire and theft, and comprehensive coverage, each with its own set of benefits and costs.

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