Car Insurance Comprehensive

You will stand a much better chance of getting the right insurance car insurance (comprehensive) for your car with quotes from several insurance companies. Most drivers now pay by direct debit monthly, which is very convenient. The downside of all this convenience is that it's too easy just to renew automatically, without getting quotes for car insurance from competitors.

You might end up paying a significant increase every year without even noticing it, especially if all you see is the smaller monthly payment taken by direct debit. RateCity research shows that over the last few years, most comprehensive car insurance companies have increased the cost of premiums much faster than inflation, so if you don't get quotes from multiple companies, you are highly likely to end up paying more than you need to.

To get the right comprehensive car insurance brand, ensure you get quotes from at least 3 companies as well as your current provider, and compare all the features in these policies, such as:

  • Excess: the amount you pay before any insurance kicks in, and as a general rule, the higher your excess, the lower your premium will be
  • Choice of repairer: some insurers will let you choose your preferred mechanic or repair shop to fix any damage, but often this convenience will cost you more
  • Replacement vehicle: if your car is out of action for any extended period of time, you may need a replacement vehicle. Check whether the insurance for your car from the various quotes has a replacement vehicle as a standard feature, and how long you will get this car for.

Go to our comprehensive car insurance page to start comparing brands.

This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about products from multiple financial institutions. We will try to show you a range of products in response to your request for information. The search results do not include all providers and may not compare all features relevant to you, for further details refer to our FSCG. The rating shown is only one factor to take into account when considering these products. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a product, you will deal directly with a financial institution, and not with RateCity. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. See our terms of use for further details. This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.