Looking for handy driving tips and tricks? Read more on the blog!
Endsleigh Compare is our brand new price comparison service that saves you the hassle of shopping around. Whether you’re a first time driver or experienced motorist, we compare quotes from the UK’s leading providers to find great cover at a great price.
From standard car insurance to temporary cover, learner driver insurance to black box cover, we’re here to get the right car insurance for you and your motor.
Let us do the hard work shopping around, so you don’t have to.
With over 55 years experience working with students, we get that it’s not always easy navigating the world of car insurance - especially for new and learner drivers. We’ve answered your most frequently asked questions to help you choose the right cover for your road ahead.
To drive in the UK you legally need a minimum of third party car insurance in place. Most insurers will offer three levels of cover for car insurance – third party, third party fire and theft and comprehensive.
In a nutshell:
Once you’ve chosen the level of cover you need, the next step is to decide which type of car insurance will give you the best deal, and there are lots of different types available.
Do your research to find out which car insurance policy is right for you and your budget.
With over 55 years experience in the education community, we get the importance of simple, flexible cover at an affordable price. When you take out insurance with Endsleigh Compare, depending on the insurer you choose, you could get cover for:
Windscreen and glass replacement
Replacement car in the event of an accident
Audio and navigation equipment which is fitted to your vehicle
Cover for your legal liability to other people and property
Personal accident benefits
Medical expenses for you and your passengers
It’s a good idea to spend some time personalising your car insurance cover to make sure you’re protected for those unexpected situations - such as breakdowns, third party claims or simply losing your keys!
When you use Endsleigh Compare, these options may differ depending on the insurer you choose, but you may be able to personalise your policy with optional extras such as:
If you have an accident that’s not your fault, this cover will provide legal representation for you and all named drivers on your policy to pursue recovery of costs not covered by your car insurance from the other driver. You'll also normally receive help to defend your legal rights if an accident leads to a motoring offence.
Some insurers may offer excess protection. This covers the reimbursement of a car insurance policy excess you have to pay following an accident, although please note that windscreen excesses are usually not included.
Cover for replacing locks and keys for your car, home and office, including locksmith charges.
Enhanced personal accident cover
If you're injured in an accident, you may be left unable to work - either while you recover or permanently, dependent on the severity of your injuries. Enhanced personal accident cover will provide a specified lump sum which may provide immediate security in assisting with bills, medical costs and other expenses that may be incurred.
Hire car cover
If your car is written-off or stolen and not recovered, this cover will provide you with a car to use anywhere in the UK, usually for up to 21 days – although check your policy documents to be sure. Normally, all named drivers on your policy aged between 18-79 (with a full UK licence) will be able to use this car and you will be covered for up to two claims per policy.
No Claims Bonus protection
No claims bonus can save you a significant amount on your car insurance each year, so why not protect it? NCB protection means you won’t lose your hard-earned bonus should you have an accident during the policy term.
If you have an Endsleigh comprehensive car insurance policy, we automatically provide cover in the European Union for up to 90 days. If you have purchased car insurance through Endsleigh Compare, you’ll need to check with your chosen insurer to see what their policy is.
It’s worth noting that there have been a number of changes to the EU driving rules since the Brexit transition period ended on 31 December 2020, so do your research before you travel. You can find a full summary of the documents you’ll need to drive abroad post-Brexit here.
You’ll also need a green card to drive to some countries, so don’t forget to check the FCDO travel advice of the country you’re visiting.
If you have car insurance with Endsleigh and need a green card, you'll need to get in touch to request one 4 weeks before you're due to travel (although the government recommend at least six weeks’ notice). This is so you leave enough time for your green card request to be processed, printed, posted and also to allow for any potential issues. You will need a separate green card for trailers/caravans.
There are lots of ways to reduce the cost of your car insurance quote - here are 5 top tips:
1. Take Pass Plus
Pass Plus is a 6 hour long driving course you can take once you’ve passed your driving test, and it helps new drivers build their confidence and improve their skills on the roads. Some insurers will offer a small discount on your premium for taking Pass Plus.
2. Increase your excess
Increasing your voluntary excess can sometimes reduce your premium. Just remember that you’ll need to pay both your compulsory and voluntary excess in the event of a claim, so you’ll want to make sure the combined amount is still affordable.
3. Pick a small engine
The type of car you drive can have a big impact on your car insurance premium. Choosing a car with a small engine and no modifications may help reduce the cost of your car insurance quote.
4. Black box insurance
Having a black box installed to monitor your driving could result in cheaper premiums, just for driving well.
5. Drive safely
Reducing the cost of your car insurance can be as simple as driving safely and following the rules of the road. Your car insurance should naturally get cheaper each year as you build your No Claims Bonus, and avoiding speeding fines and other penalties will help to show insurers you’re a low risk driver.
We want you to have all the right information when picking your car insurance - so we've pulled together loads of handy guides that will hopefully start to answer any other questions you might have about car insurance - including what's covered, how it works and what you need to know about making a claim.
Other useful articles:
Looking for handy driving tips and tricks? Read more on the blog!