Car Insurance Manchester
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Why Compare Manchester Car Insurance With SimplyQuote?
We understand how time-consuming, stressful and overwhelming comparing car insurance quotes can be, especially when you’re bombarded with a never-ending list of UK insurance providers.
Living in Manchester has its perks – from Old Trafford and museums to a vibrant nightlife – but it also has a downside: expensive car insurance (due to higher vehicle thefts).
Luckily, SimplyQuote has you covered with the 100% free, online comparison tool.
Quickly scour the insurance market and find the best car insurance deal today. Just fill in the online form with a few basic details, adjust the filter toggles and click “compare quotes” – it’s that simple!
What Do You Need To Get A Quote?
Before you can compare car insurance in Manchester, please provide the following details:
- Personal details – name, age, contact info
- Car details – registration, make, model
- Driver details – driver(s) name and age, claims history, driving history,
- Location – postcode where the car is parked overnight
- Annual mileage
Why Do You Need Car Insurance In Manchester?
It’s a legal requirement to have car insurance to drive on UK roads, whether you live in Manchester, Bristol, Taunton or Wales.
Anyone over the age of 17 with the correct driver’s licence can legally drive a car in the UK, so you need to find the best car insurance policy suited to you.
Looking for the best car insurance in Manchester? Get your quote today!
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What Does Manchester Car Insurance Cover?
Car insurance in Manchester is exactly the same as standard car insurance, protecting you against third-party claims in the event of an accident.
What’s covered
- Accidental damage
- Public liability
- Third-party cover
- Day-to-day driving (i.e. social, domestic and pleasure journeys)
- Commuting to and from work
What’s not covered
- Driving without a licence (including suspended/expired licences)
- Unnamed/uninsured drivers
- Costs incurred when driving under the influence of alcohol or drugs
- Deliberate acts of theft, vandalism or burglary
- Damaged caused by negligence (e.g. leaving the doors unlocked and the vehicle is stolen)
What kind of vehicles does car insurance cover?
You can drive any vehicle and be covered with car insurance. If however, you operate a taxi service or drive a recovery vehicle, you’ll need specialised car insurance for this.
What Types Of Car Insurance Are Available In Manchester?
Here’s a list of various car insurance types in Manchester:
Learner driver
Learner driver insurance is a temporary cover that gets you behind the wheel to practice. It allows you to learn in your own car or someone else’s (with their permission) and protects you if there’s an accident.
Note: Leaner driver car insurance is also called provisional driver insurance.
New driver
You can get a new driver insurance policy if you’ve recently passed your driving test. Candidates for this insurance cover are typically between 17 and 25 years old. Due to your lack of driving experience, new driver car insurance policies tend to be higher, as you’re statistically “higher risk”.
Pro insight: Your insurance premium will generally decrease, the longer you’ve been driving.
Over 50 driver
An experienced driver, over 50, tends to have the cheapest cover in Manchester. This is because you’re seen as a mature driver showcasing safe driving habits.
Note: To be fair, most drivers over 25 are classified as “experienced drivers” and may receive cheaper car insurance in Manchester from this age bracket up.
What Levels Of Car Insurance Can You Get In Manchester?
There are three levels of car insurance in Manchester to choose from, namely:
- Third-party only (TPO)
- Third-party, fire and theft (TPFT)
- Fully comprehensive car insurance
TPO
This is the lowest level of car insurance and is the bare minimum required by UK law.
It protects you against third-party claims should you injure someone or damage their vehicle/property while driving; but won’t cover any costs you incur (e.g. vehicle repair, medical bills, etc.)
For instance, you knock over a pedestrian when swerving or have an accident with oncoming traffic.
TPFT
This is a mid-tier level of cover that includes basic TPO cover.
TPFT will also pay if your vehicle is damaged by fire or stolen. However, it won’t pay for repair costs for your vehicle.
Comprehensive
Comprehensive car insurance offers the highest level of cover, including both TPO and TPFT.
Insurance providers will pay for third-party claims as well as vehicle repair or replacement costs for your vehicle. Some comprehensive cover plans may include:
- Key replacement
- Windscreen protection
- No Claims Discount (NCD)
What Add-Ons Are Available For Manchester Car Insurance?
Just like standard car insurance, you can opt for several optional extras in the Greater Manchester area:
- Windscreen protection – as an extra for TPO/TPFT policies
- Breakdown cover – for roadside assistance
- Courtesy car – to avoid interrupted travel
- Telematics insurance – install “black boxes” to monitor how you drive
- EU cover – peace of mind when travelling across the UK border
- Personal injury cover – to cover your medical bills, regardless of who is at fault
- Personal belongings cover – pays out if your personal goods are damaged or stolen
- Multi-car insurance – is handy if you have more than one vehicle
- Business car insurance – if you use your private vehicle for business activities (e.g. salesperson)
Note: Chat with your chosen car insurance provider to discuss other optional extras as wording may vary between different providers.
What Is The Cost Of Car Insurance In Manchester?
The average car insurance price in Manchester is around £860 per year but varies depending on certain factors like the driver’s age, where the vehicle is parked overnight and the make and model of your vehicle.
Who are the cheapest car insurance companies in Manchester?
These insurance providers are among the cheapest for Manchester car insurance:
| Insurance Provider | Annual Price (£) |
|---|---|
| Hastings Direct | £616 |
| Swiftcover | £682 |
| AXA Insurance | £703 |
| Hastings Essentials | £754 |
| InsureTheBox | £770 |
| People’s Choice | £795 |
| Elephant | £840 |
Why is Manchester car insurance so expensive?
Car insurance is more expensive in Manchester primarily due to the higher vehicle crime rates.
In Greater Manchester, there are 9.0 vehicle crimes each year per 1,000 people.
Ancoats Northern Quarter Strangeways has the highest vehicle crime rate of 37.0 vehicles per 1,000 people; whereas Abbey Hey Gorton is among the safest (4.0).
Let’s take a quick look at crime rates in and around Greater Manchester:
| Area | Vehicle Crime Rate per 1,000 people |
|---|---|
| Abbey Hey Gorton (M18) | 4.4 |
| Wythenshawe Northenden Sharston Industrial Area (M22) | 5.1 |
| Chorlton-cum-Hardy Firswood (M21) | 5.4 |
| Harpurhey Blackley (M9) | 7.0 |
| Hulme Manchester Science Park (M15) | 7.6 |
| Ardwick Longsight Chorlton-on-Medlock (M12) | 10.9 |
| Manchester City Centre Blackfriars Trinity (M3) | 35.2 |
| Ancoats Northern Quarter Strangeways (M4) | 37.0 |
What impacts your car insurance premium?
- Age of the driver age (younger drivers pay higher premiums)
- Location
- Annual mileage
- Optional extras chosen
- Vehicle insurance group
- Vehicle type
- Driving history
- Claims history
How Can You Get Cheap Car Insurance In Manchester?
Here are 10 ways to save on your car insurance in Manchester:
Don’t settle for one car insurance quote
Always shop around and get quotes from multiple insurance providers. Prices can vary significantly between companies, so comparing can help you find the best deal.
Increase your excess
Voluntarily choosing a higher excess (the amount you pay in the event of a claim) can reduce your premium. However, ensure you can afford the excess if you need to make a claim.
Secure car overnight
Installing security devices such as alarms, immobilisers, and tracking systems can reduce the risk of theft and vandalism, potentially lowering your premium.
Limit mileage
If you can reduce the number of miles you drive annually, you might qualify for a lower premium. Some insurers offer discounts for low-mileage drivers.
Park safely
Parking your car in a secure location, like a garage or off-street parking, can reduce the risk of theft or damage
No-claims bonus
Building a no-claims history can significantly reduce your premium. Many insurers offer substantial discounts for drivers who haven’t made a claim in several years.
Choose your car wisely
The type and model of your car can affect your insurance cost. Generally, smaller and less powerful cars are cheaper to insure.
Do an advanced driving course
Some insurers offer discounts for drivers who have completed advanced driving courses, as these can improve driving skills and reduce the risk of accidents.
Limit optional extras
While add-ons like courtesy cars or legal cover can be beneficial, they can also increase your premium. Only choose the extras you genuinely need.
Check for discounts
Some insurers offer discounts for things like buying online, being a member of certain organisations (e.g. car clubs) or bundling multiple insurance policies.
Remember, while it’s essential to find affordable insurance, it’s equally crucial to ensure you have the right level of cover to protect yourself and your vehicle. Always read the policy details and understand what’s included and what’s not.
How To Compare Manchester Car Insurance Quotes With SimplyQuote?
Finding cheap car insurance in Manchester with SimplyQuote is easy:
- Fill in the short form: Tell us about yourself, your vehicle, and your location.
- Choose policy add-ons: Choose which additional cover add-ons you want.
- Compare quotes: Get automated car insurance quotes to suit your budget.
- Save money: Get the best deal and start saving today.
Compare car insurance quotes from an extensive list of UK insurance providers and find the best deal that works for you today.
Frequently Asked Questions
Manchester car insurance is no different to standard motorcar insurance in the UK, protecting you against third-party claims and road-related liability disputes. It’s just specifically designed for Manchester residents.
Let’s take a closer look at why your location affects your insurance premium:
- Crime rates: Areas with higher crime rates, especially vehicle thefts and vandalism, can lead to higher insurance premiums. Insurers assess the risk of your car being stolen or damaged due to criminal activities based on local statistics.
- Traffic density: Urban areas with dense traffic can have a higher likelihood of accidents compared to rural areas with less traffic. More vehicles on the road can increase the chance of collisions.
- Accident hotspots: Some areas might have intersections or stretches of road known for frequent accidents. Living near such hotspots can raise your insurance costs.
- Weather patterns: Locations prone to severe weather conditions, such as floods, hail, or hurricanes, can result in higher claims for weather-related damages, influencing insurance rates.
- Local repair costs: The cost of repairs can vary by location. In areas where parts and labour are more expensive, insurance premiums might be higher.
- Number of uninsured drivers: In areas with a higher number of uninsured drivers, insured drivers might have to file more claims, leading to higher premiums for everyone.
- Economic conditions: In areas with economic challenges, there might be a higher likelihood of claims, affecting insurance rates.