Car Insurance Not On Comparison Sites
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Why Compare Cheap Car Insurance Quotes With SimplyQuote?
Car insurance comparison sites are becoming increasingly popular, but not all insurance providers are listed on these sites.
So, how can you ever find the cheapest prices quoted?
You will have to visit the websites of the insurance providers you’re interested in to get quotes directly from them.
But, that’s so much admin, effort, and a lot of stress! So why not use SimplyQuote’s online comparison tool to quickly find and compare insurance quotes from leading insurance providers.
It’s simple.
What Do You Need To Get A Car Insurance Quote From SimplyQuote?
Provide SimplyQuote with the following information to receive a quote:
- Personal information – your name and surname, address
- Type of vehicle you want to insure – make, value, age
- Annual mileage
- Level of cover
Why Are Some Car Insurance Companies Not Listed On Comparison Sites?
Most insurance comparison websites charge insurance providers a commission fee, which is why some insurance companies prefer not to be listed on these websites.
And by not paying a fee, it means they can keep their costs down, offering clients lower premiums than those listed on comparison sites. This stops them from being undercut by their competitors and makes them a tempting choice for people looking for cheap car insurance.
Which Car Insurance Providers Are Usually Not Listed On Insurance Comparison Sites?
Although SimplyQuote offers some of the lowest premiums for car insurance policies, consider checking out these companies that are not listed on any car insurance comparison site:
Direct Line
Direct Line is one of the most well-known car insurance companies that refuses to appear on comparison sites.
They prefer to work directly with their clients to provide tailored car insurance policies at the best prices. These prices are not publicly available, and you will have to request a quote through their website to see how they can help you.
NFU Mutual
NFU Mutual is on the pricier side, but their customer service is second to none. The company offers fully comprehensive car insurance and boasts a 5-star Defaqto rating. They also pay out 99% of all claims, making them a worthy insurer to consider.
However, if you want car insurance cover from NFU Mutual, you will have to follow the prompts on their website to get a quote or call their service centre as their prices are not readily available.
Aviva
Aviva is a renowned international company with offices in several countries. They offer a variety of car insurance policies, including:
- Multi-car insurance
- Electric vehicle insurance
- Telematics car insurance
- Van insurance
- Business use insurance
- Campervan/Motorhome insurance
- Learner driver insurance
- Temporary car insurance
- Classic car insurance
To find out about the prices of their different insurance types, request a quote directly from the website.
Note: Their insurance sub-products “QuoteMeHappy” and “General Accident” can be found on comparison sites. Additionally, since 2021, their main Aviva product can be found on some sites, but not all of them.
Zurich
Zurich is another international insurance company that offers various types of insurance. They allow clients to create bespoke insurance policies to cover their unique needs. Their car insurance offerings include:
- Private car insurance
- Personal accident cover
- Legal cover
- Breakdown cover
- Excess protection
Admiral
Admiral is a great provider for those looking to insure multiple cars, as the more cars you add to your policy, the cheaper your premiums will be. Admiral is also rated 5 stars by Defaqto and they have a 24-hour helpline to assist in emergencies.
Admiral offers comprehensive and third-party only cover, with the option to add:
- Breakdown cover
- Personal injury cover
- Hire vehicle cover
- Motor legal protection
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What Types Of Car Insurance Can You Get From Companies Not Listed On Car Insurance Comparison Websites?
Despite not being listed on any comparison sites, these insurance companies still offer the same types of car insurance as many insurers that are listed. However, each insurer will offer different policies, so make sure to contact the insurer directly.
Multi-car insurance
This insurance is perfect for families or people who wish to insure multiple vehicles under the same policy. It usually allows a maximum of five cars to be insured (otherwise you must get fleet insurance). The more cars are added to the policy, the lower the price per car.
Van insurance
Van insurance, such as that offered by Zego, is designed for van drivers who use their van for personal, business, or commercial use. It often includes insurance for goods in transit, additional drivers, and public liability.
Black box insurance
Also called telematics insurance, this cover uses the data from a black box device installed in your car to track your driving. The more responsibly you drive, the lower your premiums will be. It is a great option for less experienced or younger drivers.
Electric car insurance
It is tailored specifically to owners of electric vehicles and the unique challenges they face, like replacing batteries and charging equipment.
Learner driver insurance
This insurance is designed for those who hold a learner’s licence. It’s a short-term policy that allows learner drivers to practise their driving skills.
Temporary car insurance
It’s a flexible insurance policy that you can get for either a few hours or up to a month. It is perfect if you’re borrowing someone’s car, driving a new car home from the shop, or using someone else’s car for a short trip.
Commercial car insurance
There are several types of commercial car insurance. This type of insurance is a necessity for people who use their cars as part of their work, like taxi drivers, couriers, and delivery drivers.
Taxi insurance
A part of commercial car insurance, taxi insurance insures drivers who transport passengers. It covers public and private hire vehicles, depending on your needs, and is a legal requirement to operate as a taxi driver in the UK.
Business use car insurance
This type of insurance differs from commercial insurance as it covers you when you’re driving your car to get to work locations (and not as a part of work). For example, if you need to visit several clients at their offices each day.
Fleet insurance
Fleet insurance typically covers five or more vehicles under a single policy, perfect for business owners with a fleet of vans, trucks or motor cars.
*51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
What Levels Of Cover Do Non-Listed Car Insurance Companies Offer?
Companies not listed on car insurance comparison websites tend to offer the same levels of insurance as those that are listed:
- Third-party only (TPO) – This is a minimum legal requirement in the UK if you wish to drive on public roads. It covers damages or injuries to third parties if you cause an accident. It does not offer any cover for you or your vehicle.
- Third-party, fire and theft (TPFT) – Similar to TPO, but also covers fire damage to your car and pays out if your car is stolen
- Comprehensive cover – This is the most comprehensive policy, and includes TPFT as well as legal expenses, breakdown cover, medical expenses, and more. Each policy is different, so you’ll have to check what is included in yours.
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How Much Does Car Insurance From Companies Not Listed On Price Comparison Sites Cost?
Every single car insurance company will offer different premiums, based on several factors. On average, you can expect to pay between £450 and £560 per year.
Since you can’t use a comparison site to determine the cost of insurance from non-listed insurance providers, you will have to contact each company directly or visit their company websites to get a quote.
Which factors influence the cost?
- Age of driver and driving experience
- Driver’s occupation
- Type of vehicle (insurance group, age, value)
- Location
- Security measures in the vehicle and at the parking location
- Annual mileage
- Level of cover
- Type of car insurance
- Number of named drivers
- Number of vehicles on the policy (for multi-car policies)
- Claims history
How Can You Reduce The Cost Of Your Car Insurance Premiums?
You can reduce your car insurance premium by doing any of the following:
- Shop around – Use SimplyQuote to compare car insurance quotes from leading insurance providers. We might not be able to help you find quotes from companies not listed on comparison sites, but we compare dozens of insurance companies to help you find the best deals.
- Pay annually – so you won’t have to pay interest on monthly instalments.
- Limit your annual mileage – Try driving less so you’ll be seen as lower risk by your insurer and enjoy lower premiums.
- Install a black box device – When you drive responsibly, your insurance provider will reduce your premiums.
- Increase your voluntary excess – By opting to pay more when you make a claim, your insurer will know you’re less likely to make a claim, reducing your premium.
- Build up your no-claims discount – By not making any claims.
- Reconsider the vehicle you drive – Modified vehicles or those in higher insurance classes will cost more to insure.
- Install security measures – Get a dashcam, alarm system, and immobiliser. Also, install CCTV cameras where you park your car when not in use, and ensure it is parked at a secure spot.
How To Compare Quotes With SimplyQuote?
Comparing car insurance quotes from SimplyQuote couldn’t be simpler:
- Fill in the online questionnaire by providing us with your details.
- Decide on your policy and which add-ons you want to get
- Compare quotes from leading insurers listed on comparison sites
- Save money by finding the best and most affordable deal today.
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Frequently Asked Questions
The only way to find and compare quotes from car insurance companies not listed on any comparison site is to go directly to the company’s website or to contact them via telephone or email. You’ll have to get quotes from each company and then compare them. This can be tedious, which is why a comparison tool like the one from SimplyQuote should be used instead.
It depends on the insurance company. Many insurers prefer not to work with comparison sites as they don’t want to pay the commission and admin fees, which allows them to offer more affordable insurance products.
However, the insurance costs will depend on the type of policy and level of cover you need.