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Quick guide to car insurance

Whether you’ve just got your first set of wheels, or you’re a seasoned pro looking to switch providers, get the lowdown on car insurance with our quick guide.

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Whether you’ve just got your first set of wheels, or you’re a seasoned pro looking to switch providers, get the lowdown on car insurance with our quick guide. (If you’re unsure about any of the terms we mention, that’s what our car insurance glossary is for.)

When you're ready to start comparing, head to your ClearScore Offers section where you can compare quotes from over 100 of the UK’s biggest providers. Comparing quotes is quick and easy - see a range of quotes tailored to your circumstances in less than 5 minutes. We use your unique credit report data to pre-fill your answers, so you can spend less time applying for insurance, and more time dreaming about where your car will take you next.

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Well, because it’s the law!

Think of car insurance as a safety net: it’s there to provide financial protection in case something happens to your car. If you have an accident and you’re not insured, you’d have to pay for repairs to your and anyone else’s vehicle out of your own pocket. This could quickly add up to thousands of pounds which you might not have to hand. Insurance will also provide cover for your injuries, and for anyone else who is implicated.

‘But I’m a really safe driver!’ we hear you say. Not the point, unfortunately - it might not be your fault if anything happens to your vehicle. If your car is stolen, vandalised or destroyed by fire, insurance will also have your back (depending on the level of cover you have).

Insurance might seem like an unnecessary expense if you never make a claim, but it’s better to be safe than sorry, right? Plus, you could find yourself with an unlimited fine and a driving disqualification if you’re caught driving without insurance.

There are three main types of insurance on the market:

This only covers injuries to other people and any damage to their property. So if you damage your own vehicle, you’ll have to pay for the repairs yourself. It’s the most basic level of cover available, but strangely it’s not always the cheapest, so it’s worth shopping around.

This is the same as third party, but it also covers the cost of repairs (or a replacement vehicle if necessary) in the case that your car is stolen or damaged by fire. Again, this isn’t always the cheapest level of cover.

This covers damage to your own car, as well as accidents involving other people. You could also get a courtesy car and legal expenses (likely at an extra cost). Unsurprisingly, it’s the highest level of cover as it protects against pretty much all possible outcomes.

At the moment, ClearScore only offer comprehensive insurance. We’re working hard to add the other levels to our offering, so if you’re interested in third party insurance, please check your offers soon! If you’d like to be the first to know when we start offering other levels of insurance, check that you’re subscribed to receive our product update emails. If you’re not yet a ClearScore user, you can sign up for an account here.

You’ll need the following to get started:

Details of your vehicle

Make sure you know:

  • Your car registration number
  • Your expected annual mileage figures
  • Where your car’s parked during the day and night
  • What you use your car for, e.g. commuting or business use
  • Whether your car’s had any modifications since it was made

Your driving history, and that of any other registered drivers

You’ll want a copy of your driving license with you, as you may need to refer to it. For example, we need to know how long you’ve held your license and what type of license you hold. If you’re adding any other drivers to the insurance policy, we’ll also need their driving license details and history.

Any previous claims, convictions or accidents

We’ll also ask you if you’ve had any accidents, convictions or claims within the last five years. This is purely used for calculating the cost of your insurance, and we’ll never share these details with anyone. And if you’re adding other drivers to the policy, you’ll need to find out whether they’ve had any previous accidents, convictions or claims too.

If you’re curious about how your car insurance quote is calculated, you can find out more here.


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