Car Insurance Quotes London
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Why Compare London Car Insurance With SimplyQuote?
Life moves at a staggeringly fast pace in the big city. You’re always rushing off to the next meeting or social event, and you basically have no time to rest or tackle your personal admin – like finding car insurance!
SimplyQuote is here to save the day (and save you time). The free comparison tool allows you to compare cheap car insurance quotes from leading insurance providers in the UK, stress-free!
The entire process is online, and you can do it when you have a few moments to spare. Don’t get stuck without car insurance – use SimplyQuote to simplify the whole process and navigate the bustling city streets knowing you’re protected.
What Do You Need To Get A Quote?
Provide SimplyQuote with the following to receive car insurance quotes:
- Personal information – Your name, surname, licence details and age
- Address – Where in London you’re based
- Insurance details – Level of cover and insurance type you’re interested in
- Claims history – Any claims you’ve made in the past
- Vehicle details – Make and model, age, odometer reading
Why Do You Need Car Insurance In London?
It is a legal requirement to have car insurance if you wish to drive on public roads in London and the rest of the UK. It ensures that you’re financially protected should you be in an accident.
London has some crazy drivers and traffic jams, which means your odds of being involved in a car accident are much higher than if you lived in a more rural area. Should that happen, you can file a claim with your insurance provider and they’ll compensate you for damage to third parties and yourself (depending on your policy).
What Does London Car Insurance Cover?
What is covered will depend on your policy, but a standard comprehensive policy will usually cover the following:
- Third-party liability – Causing damage or injury to a third party, their vehicle, or their property while driving.
- Public liability cover – Damaging property or injuring a member of the public with your vehicle.
- Breakdown cover – Roadside assistance and towing to a mechanic.
- Damages to own car – Repairs to your own car after an accident, even if you’re at fault.
What’s not covered?
- Negligence – i.e. your car being stolen after you left it unlocked with the keys inside.
- Normal wear and tear – brake pads, tyres, etc.
- Drunk driving or driving under the influence of drugs.
- An unnamed driver causing an accident with your car.
- Modifications to your vehicle.
Looking for the cheapest car insurance? Get your quote today!
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What Are The Types Of London Car Insurance?
Car insurance in London is the same as car insurance elsewhere in the UK, and includes:
- Multi-car insurance
- Van insurance
- Fleet insurance
- Courier insurance
- Taxi insurance
- Business use insurance
- Telematics insurance
- Modified car insurance
- Classic car insurance
- HGV insurance
- Electric car insurance
The right policy for you depends on your insurance needs.
For example, if you wish to work as a food delivery driver in London, you should get food courier insurance quotes (specifically hire and reward insurance).
Should you wish to insure your family’s cars, look at insuring all the vehicles under a multi-car insurance policy.
What Levels Of Car Insurance Cover Can You Get In London?
There are three levels of car insurance cover that you can get in London:
- Third-party only (TPO) – The minimum legal requirement to drive in the UK. It only compensates claims made by third parties if they’re injured or if their vehicle/property is damaged by an accident you caused.
- Third-party, fire and theft (TPFT) – It covers the same as TPO, and pays if your car is damaged by a fire or is stolen.
- Comprehensive cover – This is the highest level of cover you can get, and could be considered a necessity in the busy streets of London. It includes TPFT cover, as well as additional cover like medical and legal expenses, breakdowns, and windscreen replacement.
Which Add-Ons Are Available For London Car Insurance?
Consider getting the following extras added to your insurance policy, especially if you have TPO or TPFT cover, to ensure you are adequately covered in London:
Breakdown cover
Provides roadside assistance should your vehicle break down. If it can’t be fixed, it will be towed to a mechanic.
Key cover
Replaces or repairs stolen, lost, or damaged keys.
Windscreen cover
Pays to repair or replace a broken windscreen.
EU cover
Ensures you’re protected when you leave London and drive in neighbouring countries.
Courtesy car cover
Provides a courtesy car if your vehicle is in for repairs.
Personal accident cover
Covers your loss of income if you’re injured or disabled following a motor accident.
*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
How Much Does London Car Insurance Cost?
Car insurance in London isn’t cheap – it is one of the most expensive cities in the UK, and the same goes for the insurance!
The average cost of car insurance in London is £1,829 per year, although there are boroughs where you can be insured for much cheaper if you live there (e.g. average car insurance in Merton is £632 per year).
Which factors influence insurance costs?
- Your neighbourhood
- Your age and driving experience
- Vehicle value and age
- Annual mileage
- Occupation
- Level of cover and add-ons
- Voluntary excess
How Can You Get Cheap Car Insurance Premiums In London?
Getting cheap car insurance is possible, even in London!
- Paying annually – By paying your insurance in a lump sum, you won’t have to pay interest on monthly instalments.
- Shop around – Use SimplyQuote to find the lowest insurance prices from London insurance providers.
- Increase your excess – The higher your excess, the less likely you are to make a claim. The insurance company will consider you lower risk and give you lower premiums.
- Build up your no-claims bonus – You accrue this bonus by not making any claims.
- Limit mileage – When you drive less, you’re less likely to be involved in road traffic accidents.
- Add an experienced named driver – This is especially useful for young and inexperienced drivers.
- Install a black box device – This device tracks your driving habits and sends the data to your insurance company. The safer you drive, the lower your rates will be.
- Increase security – By parking your vehicle in a secure location and installing security measures (e.g. cameras, immobilisers, trackers), your premiums will be lower.
- Bundle policies – If you need several types of car insurance policies, consider bundling them for reduced rates.
- Reconsider your vehicle – By driving a smaller, lower-emission vehicle, you will reduce your policies.
How To Compare London Vehicle Insurance With SimplyQuote?
Comparing car insurance quotes couldn’t be simpler:
- Fill in an online questionnaire: Provide us with your personal and vehicle details.
- Select your insurance: Choose which type, level of cover and add-ons you want.
- Compare quotes: From leading insurance providers in London.
- Save money: Find the cheapest car insurance quotes in London!
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Frequently Asked Questions
Yes, London is the most expensive region in the UK for car insurance. It is the most populated city in the UK, with many high-risk areas and drivers on the road, which leads to the higher cost of insurance.
Newham is considered the borough with the most expensive car insurance rates in London. Central London, in general, has the highest insurance costs in the city.
Admiral offers the lowest car insurance rates in London, with rates calculated at just under £800 per year.
Other cheap insurance companies include:
- Diamond
- Elephant
- Hastings
- People’s Choice
“The best” is a subjective term, as it depends on your needs.
You could use a car insurance broker or compare car insurance quotes with SimplyQuote to find the best car insurance for you.