Car Insurance

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If you want to buy car insurance in UK, you should know that the entire procedure differs significantly from the one in Europe. In order not to overpay, check out our guide. We advise on how to insure a car in the UK and what you should pay special attention to if your priority is to choose the best offer.

Car insurance in United Kingdom - basic information

Before we move on to specific tips on how to insure a car in the UK, it is worth presenting the most important information about third party liability insurance in this country. To begin with, there are a few important formal issues that make car insurance on the Thames a bit different than on the Vistula.

First of all, in the UK, the policy is assigned to a person, and not, as in EU countries, to a vehicle. This means that in the UK, the car can only be driven by those who appear in the insurer’s documents. Of course, apart from yourself, you can add any number of drivers to the OC (in England it is called the Third Party), but be careful – the more people the policy covers, the more you will pay for it.

Some British companies accept discounts purchased in Poland for accident-free driving. This allows you to reduce the cost of the premium, which in England can be up to several thousand pounds per year! Therefore, it is worth remembering to get a document confirming the generated discounts from the Polish insurer before coming to Great Britain.

How to lower the cost of car insurance in UK?

If you thought that motor insurance in EU coutries is too expensive, the collision with the British system may turn out to be a small shock. Fortunately, island law allows you to lower your premium not only through safe driving discounts, but also in several other ways. The most popular of them include:

  • completing the Pass Plus course (training in driving in left-hand traffic) and obtaining a certificate, which is the basis for reducing the premium in many companies;
  • having a driving license for a long time – the longer the driving experience, the lower the car insurance in Great Britain;
  • increasing the Excess amount, which is the insured’s own contribution to the amount of any compensation;
  • selection of a small, economical vehicle;
  • installation of Black Box Insurance – a device monitoring liquidity, driving safety and legal and damage-free driving.

If you are wondering how to cheaply insure your car in the UK, use as many of the above methods to reduce the premium.


How to buy an insurance policy in the UK?

In the UK, there is a large discrepancy between the prices for compulsory motor policies depending on the chosen company. To be sure of choosing the cheapest offer, you should definitely not stop at one offer prepared for you. The differences can be as high as several hundred pounds a year. For many people – especially those who are just planning to go to the islands or are staying here recently, this is a large amount that can certainly be better used – e.g. for rent for an apartment or investment in their own business.

The possibility of compiling the offers of several dozen companies is a great way to choose the cheapest and at the same time the one that best suits your needs.

What information will the insurer request?

The information requested by our form will be similar to that in the case of car insurance in Poland. When calculating the amount of contributions, English societies take into account factors such as:

The possibility of compiling the offers of several dozen companies is a great way to choose the cheapest and at the same time the one that best suits your needs.

  • the duration of your driving license,
  • place of residence, age, number of drivers reported for insurance,
  • make, model, year and vehicle parameters,
  • declared annual mileage (in miles),
  • engine capacity, car use,
  • the method of its storage (garage, guarded parking lot, “open air”, etc.),
  • previous insurance history,

as well as other data necessary to calculate the individual proposed premium for a civil liability policy.

As you can see, the scope of data that must be provided does not differ much from that expected by Polish companies.
Young drivers who are under 25 years of age will pay the most for third party liability insurance in England – as in Poland. For obvious reasons, their discounts for accident-free driving will also be lower than those who have had a driving license for several or several dozen years. A chance to reduce the premium may be to add an older, close driver to your policy, who can
boast accident-free driving and greater experience.

How to insure a car in the UK online?

In the vast majority of cases, buying a car policy in Great Britain is much more profitable online than through an agent. All you need to do is enter the full scope of the required information in the form, and our consultants will prepare a list of the most advantageous offers for you. A courier or postman will provide you with a paper version of the documents. After paying your premium, you will be able to drive your car freely on the streets of the UK. Everything is fast, convenient and without leaving your home!


Car insurance in the UK - why is it worth buying online?

Buying a third party liability insurance policy online is simple and, most importantly, it saves time and money. It will be a policy tailored to your needs based on the information entered by you in the form. You can do everything in Polish and sit comfortably in front of the computer. You no longer have to worry about how to insure your car in the UK – with Polisa Direct you can do it in the easiest way.