Best Car insurance in the United Kingdom in 2025
- For users without health benefits through their employer
- For users losing their group coverage
- For users without health benefits through their employer
- For users losing their group coverage
The PHI Standard Plan from Sun Life offers balanced and enhanced coverage compared to entry-level options, with 70% reimbursement for both preventive and basic dental care. The plan starts with a $750 annual limit in the first year and features no deductible or age restrictions, simplifying access and reducing upfront costs. This makes it a strong contender for those seeking a solid mix of affordability and extended protection. Although it doesn’t cover major dental procedures, the improved reimbursement rate and higher first-year ceiling make it a step up from basic plans, especially for those who expect recurring dental visits.
Ideal for: This plan is ideal for individuals recently removed from employer-sponsored group insurance or self-employed professionals wanting a stable, mid-tier option. It’s also a good fit for early retirees or anyone needing predictable out-of-pocket limits without undergoing medical screening.
- 70% coverage for both preventive and basic dental services
- $750 reimbursement limit in the first year
- No deductible or age-based restrictions
- Designed for those transitioning from employer benefits
- No coverage for major or specialized dental treatments
- Annual limit may not suffice for users with frequent dental procedures
- No add-ons for vision or travel care compared to other hybrid plans
- Good quality-price ratio
- Complete basic care coverage
- Good quality-price ratio
- Complete basic care coverage
Blue Flex from Blue Cross offers a balanced and accessible dental insurance plan with an emphasis on affordability and preventive care. It covers 80% of preventive services and 50% of basic dental care, positioning itself as a practical solution for those who want essential dental protection without paying for extensive or specialized procedures. The first-year coverage is capped at $500, and there’s a modest $50 deductible, which makes it approachable for newcomers to dental insurance or those transitioning from employer-sponsored plans. The plan is limited to individuals aged 59 and under, and it’s particularly praised for its solid cost-to-coverage ratio and clarity in benefits. However, it doesn’t extend to major dental procedures or orthodontics, which may be a drawback for families or individuals with more comprehensive care needs.
Ideal for: This plan suits younger individuals, freelancers, or early retirees who primarily seek preventive maintenance and peace of mind. It’s also a good fit for those between jobs or without access to group benefits, looking for basic protection at a reasonable cost.
- 80% reimbursement on preventive care
- Low deductible of $50
- Strong reputation with a 4.9/5 rating
- Transparent and simple coverage structure
- Ideal for entry-level or budget-conscious subscribers
- Only 50% coverage for basic care
- Annual coverage capped at $500
- No coverage for major or orthodontic treatments
- Age limit set at 59
- Acceptable dental insurance with $1,000 coverage
- Acceptable dental insurance with $1,000 coverage
The EssentialPlan from Group Medical Services (GMS) offers straightforward and solid dental coverage with 80% reimbursement for both preventive and basic care, capped at a combined $1,000 per year. The absence of a deductible or age limit makes this plan particularly accessible, and it stands out for delivering maximum coverage right from the first year—unlike other plans that ramp up over time. While it doesn’t include major dental procedures or broader paramedical benefits, it does what it promises: providing a dependable and uncomplicated dental solution at a fair value.
Ideal profile: This plan is ideal for individuals or couples seeking reliable, mid-range dental protection, particularly those who want high first-year value and simple terms. It's also a smart choice for people new to private dental insurance who want full entry-level coverage with no waiting curve.
- 80% coverage for both preventive and basic dental services
- Up to $1,000 in reimbursement available from year one
- No deductible or age restrictions
- Simple, predictable coverage structure
- No coverage for major dental work
- Lacks vision or travel medical benefits
- Not customizable for broader health needs beyond dental care
- Most popular plan from GMS
- LifeWorks plan included
- GMS pay-direct card included
- Most popular plan from GMS
- LifeWorks plan included
- GMS pay-direct card included
The OmniPlan from Group Medical Services (GMS) offers one of the most comprehensive dental and health insurance packages available in the individual market. With up to $1,000 in combined coverage for preventive and basic dental care—including exams, cleanings, and fillings—it provides generous support for routine and slightly more involved dental needs. Notably, there is no deductible and no age-related coverage limit, which increases its appeal for a broader demographic. Although the first-year dental cap for basic services is $500, the higher total combined annual limit means users can access a wider range of benefits across different categories, including physiotherapy, massage therapy, eye exams, and glasses, making it a holistic health option beyond just dental care.
Ideal for: This plan is ideal for individuals or families seeking robust, all-around health coverage, especially those with ongoing needs in both dental and paramedical services. It’s also a solid match for professionals without employer benefits, early retirees, or those who prefer comprehensive private plans over public coverage gaps.
- Generous combined dental coverage up to $1,000
- No deductible or age limit
- Includes paramedical services like physiotherapy and vision care
- One of the most complete benefit packages on the market
- Dental-specific reimbursement capped at $500 in year one
- Higher premiums likely due to extensive coverage
- May be excessive for users seeking dental-only insurance
- $150 for vision care coverage every 2 years
- Emergency medical travel coverage included
- Oral surgery, periodontics, and endodontics coverages are not included
- $150 for vision care coverage every 2 years
- Emergency medical travel coverage included
Manulife’s FlexCare ComboPlus Starter plan offers basic preventive dental care with 70% reimbursement, capped at $400 annually. It does not include coverage for basic procedures such as fillings or extractions, nor for major services like oral surgery or periodontal treatments. However, it stands out by bundling non-dental health benefits like emergency medical travel insurance and $150 in vision care every two years, which adds value for mobile or wellness-oriented individuals. There are no deductibles or age restrictions, keeping it accessible and simple for newcomers to private insurance.
Ideal for: This plan is ideal for budget-conscious individuals with minimal dental needs—such as students, young adults, or part-time workers—who want light dental maintenance and basic health extras, without committing to higher premiums.
- 70% coverage for preventive dental services, up to $400 annually
- Includes emergency travel medical insurance
- Vision care benefit of $150 every two years
- No deductible and open to all age groups
- No coverage for basic or major dental care
- Low dental reimbursement cap
- Limited usefulness for those with even moderate dental treatment needs
- How does car insurance work in the UK?
- What does car insurance cover?
- What is usually not covered by car insurance?
- How much does car insurance cost in Great Britain?
- Which is the best car insurance in the UK?
- How to lower the cost of your car insurance?
- FAQ
- On the same topic
Every year in the UK, over a million uninsured drivers are caught on the road, risking fines, points on their licence, and vehicle seizure. Car insurance is a legal requirement for anyone driving or parking a vehicle on public roads throughout Great Britain, with third party cover being the absolute minimum. Without proper protection, even a minor accident could leave you personally liable for thousands of pounds in repairs and injury claims—not to mention theft, vandalism, or weather damage, which can result in even higher out-of-pocket costs.
Policies can vary widely: some may exclude breakdown assistance, windscreen cover, or personal belongings, making it essential to check the details before committing. With so many insurers, knowing what is covered, understanding excesses, and identifying the true value behind an offer can be challenging. Comparing providers is crucial—not just for price, but for service quality, scope of cover, and reliability, ensuring you’re not left exposed when you need support most.
At HelloSafe, independent experts analyse the UK car insurance sector daily to bring you clear, impartial comparisons, helping you easily find the cover that truly fits your needs—so you can drive with greater confidence and peace of mind.
How does car insurance work in the UK?
Car insurance in Great Britain is a legal obligation for anyone who drives or keeps a vehicle on public roads.
A standard policy provides financial protection against injury or damage you may cause to others, with optional cover for your own vehicle and additional benefits.
Plans vary widely, offering different levels of reimbursement, international protection, and tailored options to match your needs or driving habits.
Taking out Car insurance not only keeps you compliant with the law, but also lets you choose a formula that fits your budget, use, and provides peace of mind on the road.
What does car insurance cover?
In Great Britain, car insurance is legally required, with the basic cover known as third party only.
This minimum level covers costs if you injure someone else or damage their property, but does not protect your own vehicle or personal injuries.
Optional covers—like third party, fire and theft, or fully comprehensive insurance—can add protection against the theft of your car, fire damage, or cover your own vehicle in an accident, alongside extras like breakdown or legal assistance.
When you make a claim, your insurer pays up to the set policy limits, minus any applicable excess (your deductible), and some optional features may have waiting periods or separate terms.
Choosing higher cover levels ensures wider protection and extra peace of mind if an accident, theft or unexpected event occurs.
| Type of cover | Third party only (Basic legal cover) | Third party, fire and theft (Mid-range) | Fully comprehensive (Full cover) |
|---|---|---|---|
| Bodily Injury | ✅ | ✅ | ✅ |
| Property Damage | ✅ | ✅ | ✅ |
| Uninsured/Underinsured Motorist | Optional | Optional | Optional |
| Theft | ❌ | ✅ | ✅ |
| Vandalism | ❌ | Optional | ✅ |
| Natural Disasters | ❌ | Optional | Optional |
| Fallen Objects | ❌ | ❌ | Optional |
| Animal Collisions | ❌ | ❌ | Optional |
| Broken Glass | ❌ | Optional | ✅ |
| Collision | ❌ | ❌ | ✅ |
| Medical Payments (MedPay) | ❌ | ❌ | Optional |
| Personal Injury Protection (PIP) | Optional | Optional | Optional |
| Roadside Assistance | ❌ | Optional | Optional |
| Rental Reimbursement | ❌ | Optional | Optional |
| Gap Insurance | ❌ | Optional | Optional |
| Custom Parts & Equipment Coverage | ❌ | Optional | Optional |
| Ride-sharing Coverage | ❌ | Optional | Optional |
| New Car Replacement / Betterment | ❌ | ❌ | Optional |
| Accident Forgiveness | ❌ | ❌ | Optional |
What is usually not covered by car insurance?
In the UK, Car insurance policies commonly exclude cover for intentional damage or loss, wear and tear, mechanical or electrical breakdown, and any maintenance costs.
Claims arising while driving under the influence of alcohol or drugs, or by unapproved drivers, are also excluded.
Personal belongings left in the vehicle, driving outside agreed territories, or exceeding any policy coverage limits are typically not covered.
Some policies may include waiting periods for certain benefits or set specific monetary caps on claims.
| Exclusion types | Good to know |
|---|---|
| Intentional acts | No cover for deliberate damage, fraud, or criminal activity. |
| Vehicle condition & use | No cover for wear and tear, breakdown, poor maintenance, or using the vehicle for non-declared purposes. |
| Legal/administrative | Unapproved drivers, driving without a valid licence or MOT, or policyholder misrepresentation excluded. |
| Driving under the influence | Accidents under alcohol or drug influence are not covered. |
| Personal belongings | Lost, stolen, or damaged personal items in the car are usually not reimbursed. |
| Coverage limits | Claims above stated policy limits or outside insured events are excluded. |
| Geographical/external risks | Damage caused outside agreed countries/territories or by war, terrorism, or natural disasters may be excluded. |
| Waiting periods | Some covers may start after a waiting period; check your policy for details. |
How much does car insurance cost in Great Britain?
Car insurance premiums in the UK are influenced by several key factors, including the driver’s age, previous claims history, and driving record.
Younger and less experienced drivers typically pay more due to perceived higher risk, while older, experienced drivers may benefit from lower premiums, unless health or accident history becomes a concern.
The type of coverage selected, such as liability only or full comprehensive protection, significantly impacts the price, as does the chosen deductible (a lower deductible usually raises the monthly premium).
Premiums also vary depending on where you live, as high-risk locations with more claims or car thefts result in higher costs.
Vehicles that are newer, more expensive, or known to be high-risk to insure will also attract higher premiums, and adding extra coverage or making at-fault claims can increase your insurance costs over time.
| Driver's Age | Coverage Level | Monthly premium (low-risk location) | Monthly premium (high-risk location) |
|---|---|---|---|
| 25 | Liability only | £65 | £120 |
| 25 | Full coverage | £105 | £195 |
| 45 | Liability only | £35 | £68 |
| 45 | Full coverage | £62 | £125 |
| 65 | Liability only | £40 | £78 |
| 65 | Full coverage | £75 | £138 |
Which is the best car insurance in the UK?
Best for everyday commuting (school/work)
Aviva “Comprehensive” is ideal for daily commuters, offering robust coverage with up to £100,000 legal expenses and unlimited roadside assistance. It includes personal accident protection, windscreen cover, and options like courtesy car and protected no-claims discount. Aviva’s strong digital app allows easy claims and policy management—well-suited for busy schedules.
Best for families with multiple vehicles
Direct Line “MultiCar Insurance” stands out for families with more than one car, as it consolidates several vehicles under one policy for significant multi-car discounts (up to 25%). It provides comprehensive cover for each car, European driving up to 90 days, and new car replacement. Each driver earns their own No Claim Discount, making it flexible for large households.
Best for tight budgets
Hastings Direct “Essential” offers one of the most competitive prices in the UK market, covering third party, fire, and theft, as well as basic breakdown cover for an extra fee. With policies starting from £180 annually, this plan targets drivers who want the legal minimum plus affordable extras, ideal for cost-conscious users.
Best for expats or international drivers
AXA “Comprehensive Expat” is tailored for those newly arrived in the UK, accepting international driving licences and offering English-speaking claim agents. This policy covers foreign-registered cars in transition, provides comprehensive coverage (including theft and accidental damage up to the car’s full value), and flexible monthly payments.
Best for senior drivers
Saga “Plus” is especially designed for drivers aged 50+, offering unlimited cover for glass, up to £2,500 for personal belongings, and covering anyone you lend your car to (with permission). Saga’s policies come with no upper age limit and 24/7 UK-based claims support, ideal for the mature motorist.
Best for students or young drivers
Admiral “LittleBox” is a telematics insurance plan focusing on 17–24-year-olds, fitting a black box to monitor driving style. Good driving is rewarded with lower premiums and renewal discounts. Comprehensive cover includes up to £5,000 personal injury and the ability to track journeys and score via an app.
Best for flexible, pay-as-you-go driving
By Miles “Pay-Per-Mile” is perfect for occasional or flexible drivers, charging a low fixed monthly fee plus a few pence per mile driven. Comprehensive cover includes theft, fire, and third party, with a digital dashboard showing usage and price transparency—suited for remote workers, city dwellers, or less frequent drivers.
How to lower the cost of your car insurance?
Here are some of the most practical ways to lower your Car insurance premiums in the UK:
- Compare offers: Use the HelloSafe comparison tool at the top of the page to quickly find the best Car insurance deals for your profile.
- Increase your voluntary excess: Opting for a higher excess means you'll pay a lower monthly premium, but make sure you could cover the cost in case of a claim.
- Build and maintain a no-claims discount: Staying claim-free year after year can significantly reduce your premium thanks to insurer discounts.
- Add security features: Installing approved alarms, immobilisers or tracking devices decreases the likelihood of theft and can earn you a discount.
- Park in a safe place: Keeping your car in a garage or secure driveway overnight lowers your risk profile and can reduce your rates.
- Consider telematics insurance: Black box or app-based policies reward careful driving habits with lower premiums.
- Limit annual mileage: Reducing the number of miles you drive each year can bring cheaper rates, as you’re statistically less likely to have an accident.
- Pay annually if you can: Paying your premium in one lump sum avoids interest charges often added to monthly payment plans.
FAQ
What types of Car insurance are available in the UK?
In the UK, Car insurance generally comes in three levels: third party only, third party fire and theft, and comprehensive. Comprehensive insurance offers the most protection, covering damage to your own vehicle and third-party claims. It is important to compare these options to choose the right level for your needs.
Is Car insurance mandatory in the UK?
Yes, Car insurance is a legal requirement for anyone driving a vehicle on public roads in the UK. At a minimum, you must have third party insurance, which covers damage or injury you may cause to others. Driving without insurance can result in fines, penalty points, or even vehicle seizure.
How is the cost of Car insurance calculated?
Insurers consider factors such as the driver's age, driving history, type of vehicle, where you live, and vehicle usage. Your claims record and even your job title can affect the premium. Using secure parking or installing security devices might help reduce your cost.
Can I drive other cars with my Car insurance policy?
Many comprehensive policies include a "driving other cars" (DOC) extension, but this usually only covers third party risks and is often restricted. Always check your policy document to confirm whether you are covered, as this feature is becoming less common and may have strict conditions.
What should I do after a car accident in the UK?
After an accident, ensure everyone's safety, exchange details with the other party, and notify your insurer as soon as possible. Take photos of the scene when safe and report the incident to the police if required. Promptly informing your insurer helps streamline your claim.
How can I reduce my Car insurance premium?
You can lower your premium by building up a no-claims discount, increasing your voluntary excess, limiting your mileage, and improving your vehicle’s security. Shopping around and comparing quotes annually is also crucial to ensure you are getting the best deal available.
What is a no-claims bonus and how does it work?
A no-claims bonus (NCB) is a discount on your premium for each year you do not make an insurance claim. The more years you go without a claim, the higher your discount will be, sometimes up to 70%. Some insurers allow you to protect your NCB for an additional fee.
Can I insure a car temporarily in the UK?
Yes, many providers offer short-term or temporary Car insurance, which can range from a single day to a few months. These policies are ideal for borrowing a car or covering a new vehicle before arranging annual cover. Temporary insurance is flexible but often more expensive per day than annual cover.
Will modifications affect my Car insurance premium?
Most modifications, whether cosmetic or performance-based, should be declared to your insurer. Some changes can increase your premium if they raise the risk of theft or accidents. Failing to disclose modifications can invalidate your policy and affect future claims.
What is telematics or "black box" Car insurance?
Telematics insurance, also known as "black box" cover, uses a device or app to monitor your driving habits such as speed, braking, and mileage. Safer driving can result in lower premiums and is particularly popular with young or new drivers looking to save money. The data collected helps insurers reflect your driving risk more accurately.
What types of Car insurance are available in the UK?
In the UK, Car insurance generally comes in three levels: third party only, third party fire and theft, and comprehensive. Comprehensive insurance offers the most protection, covering damage to your own vehicle and third-party claims. It is important to compare these options to choose the right level for your needs.
Is Car insurance mandatory in the UK?
Yes, Car insurance is a legal requirement for anyone driving a vehicle on public roads in the UK. At a minimum, you must have third party insurance, which covers damage or injury you may cause to others. Driving without insurance can result in fines, penalty points, or even vehicle seizure.
How is the cost of Car insurance calculated?
Insurers consider factors such as the driver's age, driving history, type of vehicle, where you live, and vehicle usage. Your claims record and even your job title can affect the premium. Using secure parking or installing security devices might help reduce your cost.
Can I drive other cars with my Car insurance policy?
Many comprehensive policies include a "driving other cars" (DOC) extension, but this usually only covers third party risks and is often restricted. Always check your policy document to confirm whether you are covered, as this feature is becoming less common and may have strict conditions.
What should I do after a car accident in the UK?
After an accident, ensure everyone's safety, exchange details with the other party, and notify your insurer as soon as possible. Take photos of the scene when safe and report the incident to the police if required. Promptly informing your insurer helps streamline your claim.
How can I reduce my Car insurance premium?
You can lower your premium by building up a no-claims discount, increasing your voluntary excess, limiting your mileage, and improving your vehicle’s security. Shopping around and comparing quotes annually is also crucial to ensure you are getting the best deal available.
What is a no-claims bonus and how does it work?
A no-claims bonus (NCB) is a discount on your premium for each year you do not make an insurance claim. The more years you go without a claim, the higher your discount will be, sometimes up to 70%. Some insurers allow you to protect your NCB for an additional fee.
Can I insure a car temporarily in the UK?
Yes, many providers offer short-term or temporary Car insurance, which can range from a single day to a few months. These policies are ideal for borrowing a car or covering a new vehicle before arranging annual cover. Temporary insurance is flexible but often more expensive per day than annual cover.
Will modifications affect my Car insurance premium?
Most modifications, whether cosmetic or performance-based, should be declared to your insurer. Some changes can increase your premium if they raise the risk of theft or accidents. Failing to disclose modifications can invalidate your policy and affect future claims.
What is telematics or "black box" Car insurance?
Telematics insurance, also known as "black box" cover, uses a device or app to monitor your driving habits such as speed, braking, and mileage. Safer driving can result in lower premiums and is particularly popular with young or new drivers looking to save money. The data collected helps insurers reflect your driving risk more accurately.
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