The Best Car Insurance of 2018 - Best Money Saver

31st October 2018by Chloe Dickenson

When searching for the best car insurance, there are always a lot of things to think about and consider.

You want to make sure that you’re fully covered should any accident occur, as well as any minor bumps or incidents.

The U.K. has an impressive portfolio of car insurance providers, and it can often be difficult to know who to go with in order to get the best protection and the best value for your money.

It’s important to take your time so that you’re fully aware of everything that the best car insurers provide. Don’t just take what they offer at first glance; you might often find that you can obtain good discounts from many different providers, so it definitely pays to shop around.

With it being such a competitive industry, you need to make sure that you’ve covered every base and know exactly what you’re looking for when it comes to purchasing your car insurance.

We’ve put together a list of the best car insurance providers of 2018 and you can also find a buyers guide on how to ensure you get the best deals possible.

Car insurance provider Available discounts
15% online discount
Varies
Multicar discounts, Admiral Loyalty
10% Cardholder discount, £50 gift card with every policy
Multi-car discount, Discount on black box, Additional products discount
20% Online discount, 20% Multicar discount
Online discount, Multicar discount

M&S Bank

M&S Bank are one of the U.K.’s leading providers in a plethora of different insurances, including travel, pet and home insurance, as well as offering incredible policies on their car insurance. Their car insurance policies are some of the very best in the business, so make sure you check out their incredible offers!

Child car seat cover

One of the many things that M&S Bank offers as part of their car insurance policies is that you can get up to £150 cover per child car seat; which is covered by your policy regardless of whether or not it was damaged in an accident.

Uninsured driver protection

M&S Bank also offer an uninsured driver protection clause in your car insurance policy. This means even if you’re hit by an uninsured driver, you can still recover your excess. This is definitely a good part of your policy to have, and it’s something that many other competitors don’t actually offer.

Pros

  • Guaranteed replacement car with premier cover
  • Personal claims manager
  • High quality repairs

Pros

  • Not much difference between standard and premier cover but still a price difference in the two different policies

Verdict

It’s no surprise that M&S Bank is one of the best car insurance providers in the country. You’ll enjoy a plethora of different benefits with M&S Bank including Breakdown cover, Personal accident cover and Child car seat cover

Quoravelex

Quotezone are a comparison site that provide over 100 U.K. insurance providers and can help you to narrow down your search when looking for the perfect car insurance. They offer a number of filters for you to browse through in order to be as informed as possible.

Various payment options

Quotezone offer you the chance to take advantage of numerous types of payment options including monthly or annual payments. You can also buy your car insurance policy online or over the phone. This gives you great flexibility if you don’t have the time to pop into store and spend a long time chatting about different policies; you can get all the information you need online.

Personal Quote Centre

When looking for a car insurance quote on Quotezone, you’ll have access to your own Personal Quote Centre that will include all the relevant information you need to make an informed decision about the insurance policy you want to go for.

Pros

  • Over 100 insurance providers listed
  • Buy online or over the phone
  • Easy to use and get a quote

Cons

  • You have to sift through all the comparisons of different car insurance providers

Verdict

Quotezone can help you to make a well-informed decision when it comes to purchasing your car insurance. You’ll be able to compare dozens of different deals and offers to get the right one for you.

Admiral 

Admiral have been providing car insurance to people all over the U.K. for over 20 years so they’re definitely experts in the industry.

5 Star Defaqto rating

Their expert, 5 star Defaqto rating proves just how great Admiral are as a car insurance provider. They have incredible features and benefits for you to enjoy as an Admiral customer including Windscreen Repair, European Cover and Courtesy car if your car is damaged and being repaired.

Best Car Insurance Provider for 5 years

For five years running, Admiral have been voted as Best Car Insurance Provider by the Personal Finance Awards. It’s a true testament to the way their treat their car insurance customers as they’ve been at the top of the industry for numerous consecutive years!

Pros

  • Over 15 million policies sold over the past 25 years
  • Great value for money and excellent customer service
  • Named driver no claims bonus

Cons

  • No online discount

Verdict

Admiral are naturally one of the best car insurance providers in the market and you’re guaranteed to get an excellent deal on your car insurance, as well as a number of extra benefits and bonuses.

Debenhams

Debenhams like to look after each and every one of their customers and they’re no different when it comes to taking care of their car insurance customers.

European driving cover

One of the amazing features that you can expect from taking out car insurance with Debenhams is that you can get European driving cover for up to 90 days. This means if you’re going on holiday with your car for a couple of weeks, you can rest-assured that your car will be fully insured even while you’re cruising around Europe!

Free £50 gift card

When you take out a car insurance policy with Debenhams, you’ll be rewarded with a free £50 gift card to spend in store! Debenhams Car Insurance also enables you to take out optional extras as part of your policy so that you can customise your cover so that it suits you.

Pros

  • 24 hour advice helpline available
  • Account management online
  • European driving cover for 90 days

Cons

  • You only get an online discount if you’re a Debenhams cardholder

Verdict

Debenhams Personal Finance Car Insurance policies are all incredible value for money and allow you to benefit from a range of extras and features.

Direct Line

Direct Line has been one of the leading providers of various insurance policies for many years now, all offering great deals and offers as well as additional benefits to loyal customers.

No Claim Discount

One unique selling point of Direct Line’s car insurance is that even if an accident or bump or scrape isn’t your fault, you won’t lose any of your well-earned No Claim Discount; something which many other providers don’t offer.

Black box insurance

Yet another amazing feature that Direct Line offers is their Black box insurance for young drivers aged 25 or under that uses telematic technology and can help to save you money on your car insurance.

The Black box lets you know if you’re going to fast and will also help you to drive more consciously.

Pros

  • Guaranteed hire car if your car is being repaired or fixed
  • Comprehensive and third party fire and theft policies available
  • Multicar insurance discounts

Cons

  • Direct Line don’t cover for loss or damage that has been caused by general wear and tear.

Verdict

It’s clear to see why Direct Line are considered to be one of the best insurers in the business. They offer cover for almost everything that could happen to your car, even if it wasn’t your fault and you can also choose from a number of different policies that suit your lifestyle.

Aviva

Aviva are yet another industry-leading car insurance provider with their 5 star policies. They’ve been on the market for a number of years now, but the quality of their policies has never dwindled.

Save 20% online

One thing that Aviva offers to new customers is that if you buy your car insurance online then you can expect to save up to 20% off your policy.

24/7 claims helpline

Aviva’s 24/7 claims helpline means that you can contact the Aviva team at any time of day, any time of the year. You can also use their online claims form if you prefer to have everything stored electronically.

Pros

  • Uninsured driver promise – your no claim discount won’t be lost if an uninsured driver hits you
  • 5 star Defaqto rating
  • Save up to 20% by buying online

Cons

  • No Claim Discount cover only available for policyholders over age 21

Verdict

Aviva car insurance will see you well on your way with their many discounts and offers as well as their 24 hour helpline that can assist you with any questions you may have.

LV

Everyone’s favourite car insurance advert is well-loved for many reasons, not to mention the fact that it offers incredible offers on car insurance policies.

5 year repair guarantee

LV offer an incredible 5 year repair guarantee on your car when you use one of their recommended repair services.

This is an excellent service to make use of and it’s a great idea to be covered as part of your car insurance in case you ever need any repairs.

Comprehensive cover

Your car insurance policy with LV will ensure that you’re covered for many different issues including accidental damage cover, uninsured driver promise, misfuelling cover as well as European cover for up to 180 days a year!

Pros

  • Replacement child car seats in the event of an accident, even if there’s no apparent damage
  • New locks and keys if you lose your keys or they’re stolen
  • 180 days a year of European cover

Cons

  • Not covered for mechanical or electrical breakdown

Verdict

LV car insurance is loved by thousands of people all over the country, and for good reason. You can receive plenty of benefits and extras alongside your basic car insurance policy.

Buyers guide

Car insurance is one of the best and most practical types of insurance that you can invest in, in order to ensure you and your family are protected against extortionate costs in the event of an accident or incident.

Here are some of the features to keep in mind when you’re looking to buy your car insurance policy.

Levels of car insurance

It’s important to know that there are three different levels of car insurance; comprehensive, third party and third party fire and theft.

Comprehensive insurance is the highest level of car insurance that you can get, and it will ensure that you’re covered for almost every eventuality including the two basic forms of policy, as well as damage to your vehicle that was actually your fault.

Third party insurance will cover other people in the event of an accident, but it won’t cover any damages incurred to your own car; you’ll have to pay for those yourself.

Third party fire and theft also covers other people, as well as covering you and your car in the event that your car gets damaged by fire or is stolen.

Windscreen cover

Your windscreen is arguably one of the most important parts of your car and it can prove detrimental if it becomes damaged so it’s imperative to get it fixed as soon as possible by an approved repairer by your insurance company.

Personal belongings

If any of your personal belongings are damaged by a fire or accident, or they’re stolen from your vehicles then your car insurance can pay for the costs if this is part of your policy.

It’s a good idea to check the conditions and grounds upon which you’ll be covered for personal belongings as some providers won’t cover for money and you may also need to provide proof that your car was actually locked and secured.

Protected no claims discount

This policy feature varies with every car insurance provider so it’s a good idea to see what your insurer offers. If you make a claim, then the protected no claims discount ensures that you don’t lose your no-claims discount.

Guaranteed repairs

When choosing your car insurance provider, it’s important to check what your policy covers as you’ll want to guarantee that all repairs can be carried out by a mechanic that’s been approved by your insurance provider.

There are obviously many different things to keep in mind when looking to purchase car insurance and with so many options, it’s hard to know exactly which one will be the best.

As long as you carry out detailed research and have a clear idea of what you can get out of your insurance provider then you should be able to make a well-informed decision. Things like the level of car insurance, any available discounts as well as exactly what you’re covered for are all important to keep in mind when browsing for car insurance policies.