Help/Information
Here are some of the most frequent questions we are asked by customers looking for cheaper insurance quotes on insurance.co.uk.
What does insurance.co.uk do?
It's plain and simple, insurance.co.uk makes it quick and easy to find the right insurance policy for you. We search our panel of car insurance and motorbike insurance partners saving you time and money. By simply entering your information once into our online form, we will then display quotes from many different insurers based on your personal circumstances. Once you've got your insurance prices you can then choose to compare up to 4 insurers based on price, policy benefits or an independent service rating.
Save your details to my insurance and, when you return, simply login to the my insurance section of the site and all your details will be quickly retrieved. What's more, we'll even make your renewal time easy by having all your quotes here ready and waiting in your my insurance area.
How does insurance.co.uk make money?
insurance.co.uk is an impartial insurance-only comparison site. We have partnered with a number of insurance companies and brokers to bring you a range of insurance policies based on your personal details. You do not pay to use our service. If you go on to buy an insurance policy through insurance.co.uk your chosen company will pay us a fee for introducing you to them.
We are constantly working with our panel of insurers and brokers to ensure that we continue to offer our customers cheap prices.
Who is insurance.co.uk owned by?
insurance.co.uk is owned by Lloyds TSB Insurance Services Ltd. Although the site remains completely impartial and treats all the different insurers equally. All quotes returned are based on your personal details entered into the site.
Why do you need so much information?
Everyone's different so we need to take as much information as possible from you to ensure that the insurers can tailor their price to your individual circumstances. The more information we take the more accurate your quote will be.
How do I use the my insurance section and what are the benefits?
It's really easy to use my insurance. All you need to do is set up a username and password and you'll be able to save quotes and store all your insurance information in one secure place, whether you've bought a policy from us or not. This means you can quickly access your details in a hurry, wherever you are in the world.
We even make renewal time simple by having all your quotes ready and waiting in your personal my insurance area. As long as none of your information has changed, you don't have to do anything but log back in when you renewal is due to view all your quotes.
Why do you compare on price, policy benefits and service ratings?
We recognise that different people require different kinds of insurance policies and that the cheapest quote may not be the best quote for many. Our comparison service also takes into account the policy benefits offered by the insurer as well as an independent service rating, allowing you to make the most informed choice.
How do you work out the service ratings for each insurer?
Our service ratings are based on independent online research involving people who have had, or previously held, a policy with any of the motor insurers on our panel. This is conducted by an independent company - Research Now.
During the research we ask the people interviewed to rate the levels of service received from their current or previous insurer from 1 to 5. Each featured insurer has been rated by a minimum of 50 people.
We will update the service rating information at least once every 3 months, to ensure you are receiving the most up-to-date information possible and so you can make the most informed choice of insurance policy for you.
Find out more about the Service Ratings feature.
How can I lower my car insurance premium?
Car Insurance premiums are based on personal circumstances such as your age, type of vehicle, driving history, previous claims / convictions and where you keep your car. Here are some tips on how you may be able save a bit more:
- Increase the security of your car by fitting an alarm, immobiliser or tracking device
- Increase the voluntary excess - the amount you contribute in the event of a claim - as this usually brings down the premium
- Parking your car in a garage overnight could lower your premium
- Reducing your annual mileage could bring your premium down, be as accurate as you can about the miles you cover in an average year.
- Additional courses, as some insurers offer discounts to people that have taken courses such as Pass Plus or an advanced driver course.
How can I lower my motorbike insurance?
- Keep your bike in a bricked garage or lock up
- If you've got more than one bike choose a specialist offering multi-bike policies
- If your bike is not your main mode of transport you present less risk. Some companies will give you a discount if you also own a car.
If you haven't got the answer you are looking for email us your question. We'll aim to get back to you within 48 hours.