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  • patrick@claritycompare.com
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Your Drive, Your Deal - Made Personal

Make your time, your cost and your life easier - view leading insurers in the UK and compare in a few clicks.

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  • Smart deals made for you
  • Fast and simple comparisons
  • Savings received right on time

Independent research found that many of the customers could have saved money on their car insurance with Clarity Compare.

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What Do I Need To Get A Car Insurance Quote?

We’ve kept it simple and easy. To get the best car insurance deals with Clarity Compare, you just need a few key details:

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1. Your Car and How You Use It

Provide your registration number (or your car details – brand, model and age). We’ll also ask how you use your car – personal, business or both – and then an estimate of your annual mileage.

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2. Your Personal Details

We’ll ask you for your name, age, address, occupation and the industry you work in. If you are adding any other drivers, we’ll need their details too.

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3. Your Driving History and License Number

We will ask you for your driving experience, any no-claims discount (NCD) you hold, any past claims (if applicable), and your driving license number is optional, but by providing it, you can occasionally see cheaper quotes.

Your Driving History and License Number

We will ask you for your driving experience, any no-claims discount (NCD) you hold, any past claims (if applicable), and your driving license number is optional, but by providing it, you can occasionally see cheaper quotes.

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What Type of Car Insurance Do You Need?

Choosing the right cover is based on your driving habits, your budget and the worth of your car. At Clarity Compare, it’s easy to identify the main policy types so you can select the level of cover that best meets your needs.

✅ Comprehensive Car Insurance

Comprehensive policies offer the most coverage and usually provide the best value. Typically covering:

  • Damage or injury to other people and their property
  • Fire damage or theft of your car
  • Theft
  • Repair costs if you cause an accident
  • Replacement if your car is damaged beyond repair

Most cover will exclude driving a car that you don't own and theft from an unattended, unlocked vehicle.

🚗 Third-Party, Fire & Theft

A good mid-level option, covering:

  • Damage or injury to others
  • Fire damage
  • Theft of your vehicle

It will not cover you for repairs to your own vehicle if you cause an accident.

🚙 Third-Party Only

This is the minimum legal requirement to drive in the UK.

  • Covers injury or damage you cause to others
  • Does not cover your own vehicle
  • Several insurers may not offer it, suggesting that it could, on occasion, be more expensive than comprehensive cover.

Don't Be Misled - Comprehensive Coverage Can Be Cheaper Than Third-Party

Many comprehensive insured drivers usually have cleaner records, safer cars, and are safer drivers. Insurance companies are usually just happy to give lower premiums for lower risk. So they reward the lower risk with lower premiums – even though the protection is wider.

Less Supply, Higher Price for Third-Party

Now, with fewer insurers that provide third-party only cover, there is less competition, which means in a lot of cases it is more expensive. Comprehensive cover has typically attracted more providers, therefore more competitively priced.

How To Make It Work For You

It is a myth to assume a cheaper price means less cover. Consider your own situation – age, vehicle, driving record, and optional extras. With Clarity Compare, you can quickly compare both comprehensive and third-party quotes instantaneously through Australia’s leading insurers. This way, you can compare and decide what level of protection is best for you.

Expert Car Insurance Tips & Guides

Stay up-to-date and informed for savings with handy price and protection advice. Whether you’re new to driving or just want to reduce your spending, consider these valuable guides that help you get behind the wheel smarter.

Cheapest Cars to Insure

Find out which vehicle types & models usually are low on premium cover—this is ideal if you’re buying a new first car or want to pay low premiums. 

Fast Ways to Reduce Your Premium

There are many simple actions to reduce what you pay just from changing your excess, securing your vehicle, or whatever.  

Is My Car Insured?

Found documents that have gone missing? Learn how you can check your vehicle insurance status online in under 5 minutes.

MOT Checklist

Prepare for your car’s next MOT with our free downloadable checklist and best preparation tips.

Top Advice for New Drivers

Gain confidence and become a safe road user with common-sense strategies every new driver should be aware of.

Why Compare Car Insurance with Clarity Compare?

Our comparison tool is fast, simple and trusted.

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Automated Quotes

We will find new quotes before your renewal date.

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Fast Results

Find a quote in as little as eight minutes.

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See Your Savings

Many drivers save hundreds off their premium after comparing.

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We work with some of the UK's most trusted insurers, which means you can find the right cover at a competitive price.

Ways to Get Cheaper Car Insurance with Clarity Compare

Looking to reduce your premium? Try these smart tactics:

1. Increase Your Voluntary Excess

Taking a little more fault can help reduce your annual cost, just make sure you choose an amount that is affordable for you.

2. Pay Annually

One single payment can often avoid paying the interest that occurs when you pay monthly.

3. Explore a Black Box Policy

Safe drivers can benefit from telematics, which tracks good habits to earn a lower premium.

4. Avoid Unnecessary Extras

Only take options when you need them, such as legal expenses or windscreen cover.

Why Use Us

5. Build a No Claims Discount

The more you go without making a claim, the more your savings can accumulate.

6. Enhance Vehicle Security

Alarms, immobilisers or trackers can deter thieves and may reduce your insurance premium.

7. Pick a Low-Group Car

Insuring vehicles in lower group insurance plans is usually the price of the premium. Do your homework before buying!

8. Always Compare Prices

The easiest way to save money is to comparison shop.

Clarity Compare gives you all the competition in a few clicks.

Testimonials

What Our Customers Say

"Clarity Compare made the entire process so easy! I found great car insurance in minutes and saved over £200 compared to my renewal quote."

Lucy H.

"I wasn’t sure where to start with life insurance, but their platform and expert advice gave me clarity and confidence. Highly recommended!"

Mark J.

"I loved how simple and quick it was to compare travel insurance. I found a perfect deal and felt fully covered for my trip."

Ayesha K.

"Their customer support is top-notch. I had questions about home insurance, and the team guided me without any pressure. Fantastic service!"

Tom R.

"The best part was how transparent everything felt. No hidden fees or confusion—just honest comparisons and great value."

Natalie W.

Explore Further Car Insurance Options

Need some more flexibility or a policy that fits your lifestyle? Have a look at these speciality options:

1. Business Use Cover

If you drive for work other than your commute, check that your policy contains business use.

2. Short-Term Insurance

Short-term cover from one hour to 28 days, a great option either if you are borrowing a car or splitting driving duties.

3. Multi-Car Policy

You can insure multiple cars registered to one address on one policy. (Multi-car comparisons are not available on Clarity Compare presently, depending on where you are.)

4. Telematics (Black Box) Insurance

A great option for younger or new drivers. A small device or app monitors your driving and can give a lower premium for good driving behaviours.

5. Driving Abroad Cover

If you are driving across Europe on holiday, check if your policy provides cover while you are overseas.

Automate Your Car Insurance Renewal

Never forget a renewal again. 

We can set reminders automatically, or we will look for you competitive quotes a few days before your policy expiry to make sure you are covered without the last-minute panic.

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How Much Is Car Insurance in the UK?

Insurers will also factor in your age, location, and overall profile to determine a fair premium. 

Here’s a general idea of what UK drivers usually pay each year and monthly.

Policy type Price per year Equivalent price per month
(no interest included)
Comprehensive ----- -----
Third-party, fire and theft ----- -----
Third-party only ----- -----
Over 50s ----- -----
Over 60s ----- -----
Over 70s ----- -----
Learner drivers (17–24 years old) ----- -----
Young drivers (17–24 years old) ----- -----

Optional Car Insurance Add-Ons

To get that extra peace of mind, there are optional extras you can add to your policy for an extra cost.
You only pay for what you actually want, for example:

1. Breakdown Cover

Get back on the road quickly with assistance if your car breaks down - at home or while travelling.

2. Personal Accident Cover

Pays compensation if you or your partner is seriously injured or killed in a car accident.

3. Motor Legal Protection

Helps with legal costs after an accident that wasn’t your fault, up to the policy limit.

4. Car Key Cover

Covers the cost of replacing and reprogramming lost keys.

5. No Claims Discount Protection

Keeps your no-claims discount safe, even if you need to make a claim.

6. Windscreen Cover

Pays for repairs or replacement of cracked or shattered windscreens.

7. Courtesy Car Cover

Provides a temporary car while yours is being repaired after an accident.

8. Wrong Fuel Cover

Covers draining and repairs if you accidentally fill up with the wrong fuel.

Clarity Compare Tools & Calculators

Car Insurance Group Checker – Check your car insurance group risk, and how that impacts the price. 

Car Insurance Quote Calculator – Get a car insurance quote tailored to you in minutes.

Car Finance Calculator – Find your borrowing power and payment schedule in just a few clicks.

Why Are Car Insurance Rates Rising?

Car insurance prices have been on the rise mainly due to inflation and higher repair costs for high-tech electric vehicles. The insurance industry has invested in different initiatives to cut costs, such as enhanced safety technology and increasing repair networks, but it’s always good to shop around since comparing car insurance quotes is the best way to withstand price increases. 

Why Is Cover More Expensive for New Drivers?

New drivers are generally considered a higher risk as they lack experience, which is the reason behind the higher premium for new drivers. There are some options available that can reduce car insurance premiums, such as telematics insurance, which offers a discount depending on the way you drive.

Specialist Vehicle Policies

Some insurers also provide specialist cover for:

Learner drivers

For those with a professional licence.

Young drivers

Ideal if you have limited driving experience.

New drivers

Perfect if you’ve just passed your test.

Student drivers

Suited for those living away from college or university.

Over 50s

Tailored for experienced motorists.

Named drivers

If you’re added to someone else’s insurance policy.

Disabled drivers

For drivers with health conditions or adapted vehicles.

Occasional drivers

Great if you only borrow a car occasionally.

Drivers with convictions

Designed for those with licence points or previous disqualifications.

Simply enter your details on a Clarity Compare quote, and we will match you with relevant policies.

Get Your Insurance Quote Today

Start your path to smarter cover with a free, no obligation quote - it's quick, easy and customised.

    Clarity Compare can help you get cover for a variety of vehicle types, including:

    Types of Vehicles We Can Insure

    Classic Cars (usually 15+ years old)

    Specialist cover for vintage or collectable vehicles that protects their original value and history. Ideal for limited use, car shows, and responsible restorations.

    Sports or Performance Cars

    Cover specifically designed for higher-powered models (or luxury and collectable cars) known for faster speeds and higher repair costs. Cover to fit the performance and style of your vehicle.

    Imported or Modified Vehicles

    Cover for vehicles that have been imported from overseas or modified with upgrades. Protects specialised parts and any non-standard parts.

    Electric and Hybrid Vehicles

    Policies that cover batteries, charging equipment and environmentally friendly components. Perfect for drivers who are trying to travel in a greener way.

    Electric Car

    Sales of electric cars are growing. However, these vehicles can be more expensive to insure than conventionally fuelled cars. This is because the sophisticated technology they use can make them more expensive to repair.

    How Can I check if my Vehicle Is Insured?

    You can easily check if your vehicle is insured by inputting your registration number in the Motor Insurance Database (MID). The MID is a free service that will tell you whether you have an active policy in place. 

    Note: The MID only tells you whether you are insured or not. It does not show you the full details about your policy. 

    What is Telematics? How Does It Work? 

    Telematics, sometimes referred to as black box insurance, involves using a small device (or smartphone app) to monitor the driver’s behaviour, such as speed, braking and mileage. This data is then analysed by your insurer, and if your driving is deemed safe, you may be offered a lower premium when it comes to renewal.     

    Telematics may be suited for:  

    • Young or new drivers.  
    •   Low-mileage or infrequent drivers.  
    •   Anyone wanting to show that they are a safe driver. 

    Understanding Car Insurance Excess 

    An excess is the amount you agree to pay towards a claim, and your insurer pays the rest. There are two types of excess:
    • Compulsory excess: determined by your insurer based on factors, including your age, vehicle type and risk rating. 

    • Voluntary excess: an amount you select to reduce your premium. Higher voluntary excess typically means you will have a lower monthly charge, but you will pay more if you make a claim. Ideally, insurers will increase the premium for the higher voluntary excess. 

    Car Insurance – FAQs

    At Clarity Compare, we don’t just cover standard vehicles — we help you compare insurance options for a wide range of cars,
    including those that are a little out of the ordinary.

    1. What's included in my car insurance policy?

    Your policy will cover costs for damage, theft, or injury, but it depends on which policy option you select.

    Third-party insurance is the minimum amount of cover legally required, but it will not cover damage caused to any insured vehicle or potential costs incurred by the other party, as it only covers what you might have to pay to other people.

    Yes, most insurers will allow you to name additional drivers for an additional charge. 

    Most policies will have a basic cover for vehicles being driven abroad in Europe. Check policy documents before travelling.

    There are many things you can do to reduce your premium for insurance premiums. Obtaining quotes from different insurers and using comparison websites, maintaining a clean driving record, and a larger voluntary excess could also keep your insurance premium down.