Car Insurance
Made Easy
You could save up to £518* and get a FREE MOT
Compare quotes instantly online
Finding the best car insurance for your needs can be a time consuming process. That's why we have teamed up with Quotezone to help save you time and money.
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Auto-renews cost UK motorists £1.2bn a year!
Almost 5 million UK motorists allow their car insurance to automatically renew without shopping around for a better deal. If they'd have taken a couple of minutes to compare prices they'd have saved a staggering £1.2bn collectively.
Get a FREE MOT (worth up to £54.85) with your car insurance*
Save up to £518* on your car insurance through Quotezone, and as a bonus, we'll cover the cost of your MOT.
How it works:
- 1. Compare and buy your policy using the link below.
- 2. Upload your policy document and message us through your MotorEasy account.
- 3. Once verified, we'll arrange your free MOT booking.*
Find car insurance that suits you...
Just passed your test?
Been driving a while?
Top 6 ways to save even more on your car insurance...
- Never auto-renew
- Always compare quotes
- Pay annually
- Increase your excess
- Beef up your security
- Drive fewer miles
Car Insurance Quick Reads
FAQs
No, there are 3 main types of insurance policy:
Third party: This is the minimum level of car insurance required under UK law, and is essentially intended to protect other drivers when you take to the roads. It covers you if you damage someone else’s property or injure them while driving, and will cover your passengers too. Third Party does not cover some key elements, those include: damage to your car if you caused the accident and you will not be covered if your car is stolen or destroyed by fire. You must check if this policy is right for you.
Third party, fire, and theft (TPFT): In addition to the above, you will also be covered if your car is stolen or destroyed by fire.
Comprehensive cover: This is the highest level of cover, in addition to Third party, fire and theft you will also be covered for damage to your vehicle if you cause the accident. There are often many additional benefits that are added to the policy in order make ‘Comprehensive cover’ even more attractive. You must check if this policy is right for you.
The car insurance compulsory excess is the amount you will be required to pay when you make a claim on your policy. In other words, it's the amount you agree to contribute towards the cost of a claim, with the insurer covering the remaining amount.
Voluntary excess is the amount of money that you are willing to pay in addition to the ‘compulsory excess’, in the event that you should have to make a claim. The benefit in having a ‘voluntary excess’ is that you overall insurance premium is likely to be cheaper.
Car insurance is based on risk. The higher the perceived risk, the higher the cost of the insurance. Car insurance companies have many factors that impact the cost of the insurance. The main ones are:
Age: Generally the older you are, the cheaper the insurance.
Value of Car: Generally the more expensive the car, the more expensive the insurance.
Location: Insurance companies look at how many claims are made in each town. The more claims made in your town, the more expensive the insurance.
Your Driving History: Generally the longer that you have been driving the cheaper the insurance, however this will also be impacted if you have to claim on your insurance. Your insurance will be more expensive with te number of claims that you make.
Type of Insurance: As above, depending on what type of insurance policy you have will directly impact the price that you have to pay.
A no claims bonus (NCB), also called a no claims discount, is a reduction on your car insurance premium for each year you drive without making an at-fault claim. The discount increases with consecutive claim-free years, up to a maximum set by your insurer. You can usually transfer your NCB switching insurers, if you provide proof of your claim-free history within time limit (often up to two years). In most cases, only the main driver on a policy earns an NCB. Named drivers typically don't build one, although some insurers may offer limited rewards for them.
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd's insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
** To claim your free MOT, take out your car insurance using the MotorEasy link above. Once your policy is active, upload a copy of it to your MotorEasy account. Then, 30 days after purchase, send us a message through your account with your car insurance policy number. Once we've verified your policy with the insurer, we'll book your car in for its FREE MOT at a time that suits you. This offer must be redeemed through the MotorEasy link and can't be used with any other promotions or discounts.
