Car insurance you
can always rely
on
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Simply a better way to cover your car
At insurd, we’ve been arranging quality car insurance for over 50 years as well as being backed by some of the largest, most trusted insurers.
Whatever car you drive, we’ll help you switch and save money, all while providing our unrivalled customer service.
In partnership with some of the leading UK insurers, we’ll not only get you a better car insurance deal with top-notch cover, we work hard to keep you as a customer year after year.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We’ve been around for over 50 years, so you know you’ll get a better car insurance deal.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and our car insurance expertise to give you better cover at more affordable prices.
Your car insurance cover at a glance
Free courtesy car
You’ve got the peace of mind of a replacement car if you can’t drive yours*.
Free collection and re-delivery
If you damage your vehicle, it’ll be collected, repaired and delivered back to you*.
Free car cleaning service
When repairs are completed, your car will be fully valeted before being it back to you*.
Uninsured driver promise
If you’re hit by an uninsured driver, you won’t lose your
no-claims bonus and you won’t have to pay your excess*.
Vandalism promise
Keep your hard-earned no-claims bonus if your car
is damaged by vandals*.
* Subject to your chosen level of policy cover and the prevailing policy excess.
Power up your cover with a host of optional extras
We understand that your car is precious
and it’s vital that you stay on the road no
matter what happens. So whilst our policies
already give incredible levels of cover as
standard, we’ve got lots of extras for total
peace of mind. The choice is yours.
- Up to £1,500 excess protection
- Motor legal protection
- RAC breakdown, rescue and recovery
- SmartFob key cover
What is car insurance?
Car insurance is essential for anyone who owns or drives a private car. It provides financial protection in case of an accident, theft, or damage. Whether you use your car for daily commuting, leisure trips, or occasional drives, having the right insurance ensures peace of mind and legal compliance on the road.
If you primarily use your car for personal purposes, such as commuting to work, running errands, or weekend outings, a standard private car insurance policy will suit your needs. However, if you use your car occasionally for business trips or other specific purposes, you may require tailored cover options to match your usage.
Types of cover
Choosing the right level of cover for your car is important. These are the main categories of use:
- Social: For purely personal use, including leisure activities, visits to friends and family, or general driving without commuting to work. Ideal if you drive mainly on weekends or for hobbies.
- Social and commuting: For drivers who use their car for personal trips and to commute to a regular place of work. This option covers travel to and from work as well as leisure driving.
- Business use: For those who occasionally use their car for work-related tasks that aren’t commuting, such as visiting clients or making deliveries (not as a courier). This cover protects you when your car is used for light business duties beyond regular commuting.
There are three levels of car insurance cover:
- Third Party: The legal minimum requirement, covering damage or injury you cause to others but not damage to your own car.
- Third Party, Fire and Theft: Includes third-party cover plus protection against fire damage or theft of your car.
- Comprehensive: The most extensive cover, protecting your car against accidental damage, theft, fire, and third-party claims, even if you are at fault.
We understand how important it is to keep you on the road with the right protection. That’s why our car insurance policies can be tailored to fit your lifestyle and budget. Whether you want basic third-party cover or full comprehensive protection, we make sure you have the cover you need without paying for extras you don’t.
What you’ll need to compare the best car insurance prices
Our mission is to give you the best car insurance deal in the shortest possible time. But we’ll need some information from you to make sure we’re giving you an accurate price.
Your personal information (which is 100% secure)
Apart from the obvious reasons, we’ll need your name, address and date of birth to make sure you are who you say you are. Insurance application fraud is at its highest ever level and our background checks ensure everybody pays a fair price.
Your vehicle registration number and details
We’ll search DVLA and SMMT data to ensure we’ve got accurate information about your car.
Details of any No Claims Bonus you’ve earned
If you’ve been insured as a car driver previously and are accident-free, the chances are you’ve got a No Claims Bonus (“NCB”). Your NCB will usually reduce your premium by 30-70%, so it’s important you know exactly how many years’ entitlement you have.
Full details of any additional drivers you want to drive your vehicle
You’ll need to provide the same information about any other drivers, and you should have their permission to do so before you get a quote.
Car insurance frequently asked questions
Do I need to tell you if any of my details change?
Yes, we need to know about any changes to your circumstances. Check the statement of fact or proposal form we sent to you when you took out your car insurance policy. If and when any details have changed, let us know right away. Visit your account.
What is a no-claims bonus?
Sometimes referred to as a no-claims discount, a no-claims bonus is a reward given to drivers who haven’t made a claim on their motor insurance policy during a 12-month period. Each claim-free year increases this discount, usually up to a whopping 70% after 6 consecutive years.
Can I use my no-claims bonus on more than one car?
No. Your no-claims bonus can be transferred from one vehicle to another but, if you have another car, you’ll need to earn your discount on this vehicle by staying claim-free.
Do I need to include business use on my policy?
If you only travel to a single place of work, then you won’t need to include business use. If you travel to different locations in connection with your job, then you’ll need to add business use.
Can I add other drivers to my car insurance policy?
Yes, absolutely. Provided the other drivers meet the acceptance criteria of your current policy, then you can usually add up to 4 additional drivers. However, if you have a lot of additional drivers and they’re all aged over 25, you will probably need cover for any driver.
Will my car insurance policy automatically renew?
The choice is yours. We prefer to renew policies automatically so that you don’t risk driving without insurance cover, but you can opt out of this at any time.
Am I covered to deliver food or parcels?
Not as standard, but we can arrange cover for this if you tell us before you intend to use your car for deliveries.
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