Car Insurance
Find the right cover to suit you.

  • icon checked

    Compare 110+ Providers

  • icon checked

    Save Up to £504* on Car Insurance

  • icon checked

    UK-Based Insurance Experts.


How it Works

  • Complete the form

    Fill out the questions relevant to you.
  • Review the results & accepts T&C's

    Review each policy to determine your best option.
  • Get insured today.

    Select and purchase the policy that suits you.

Have a look

Our Accreditations

logo company
logo company
logo company


Everyone needs car insurance to hit the road. However, when it comes to comparing quotes and insurance policies, having an expert on-hand can make a huge difference in how much you save on your premium. 

Luckily at One Sure, insurance is always simple. As specialist insurance brokers, we’ll compare policies and quotes to find the perfect policy at the right price to suit you. With our expertise and experience, we’ll guide you through every step towards finding the correct level of coverage and low-cost premiums.

Whether you need classic car insurance, specialist insurance for convicted drivers, or just want to know your policy options, you can always chat to us on 0800 107 0912.

What details do I need to get a car insurance quote?

To give you a car insurance quote, our team will ask you for the following details:

  • Your personal information: This includes your name, age, and address, and where you plan to store the vehicle overnight.
  • Vehicle information: We need to know the make and model of the car you want to insure, its registration number, and the year it was manufactured.
  • Driving history: We will ask you about any accidents or claims you have made in the past and your driving experience.
  • Extra cover: We will discuss with you the level of coverage you require and any additional options you may be interested in, such as breakdown cover or legal protection.

Is it cheaper to pay car insurance annually or monthly?

It really depends on your financial circumstances. As a rule of thumb, paying for your car insurance in a lump sum is cheaper than a monthly direct debit as insurers usually offer a discount. 

When you pay for your annual cover in monthly instalments, you may be charged additional fees or interest. This is because the insurer has purchased the policy for you to then pay back.   

However, not everyone can pay for their insurance in a lump sum, so we understand that for many people, it is more convenient to spread the cost of insurance across the year.  

For tips on reducing your premium, read our blog: How To Save Money On Your Car Insurance.

To find out the most cost-effective payment option for you, we’re more than happy to give you all the advice you need to make the right choice. Call us on 0800 107 0912, and we’ll guide you through the journey to getting your car insured today. 

Optional Extras

  • Legal Protection

    Find Out More

  • Breakdown

    Find Out More

  • Excess Protection

    Find Out More

Cover Options

Our insurers can cover you for:
  • icon checked

    Financial settlement if your vehicle is damaged beyond economical repair or stolen and not recovered.

  • icon checked

    Legal responsibility for the injury or death of a third party.

  • icon checked

    Dependant on cover, loss or damage to personal belongings in your car as a result of a fire, lightning, explosion, theft or attempted theft.

  • icon checked

    Damage or injury resulting from an accident with comprehensive cover.

  • icon checked

    Electrical equipment for communication, entertainment and navigation fitted in your car.

  • icon checked

    Depending on your policy, the replacement of broken windscreens or glass.

  • icon checked

    Roadside assistant if your vehicle breaks down.

What's not included:
  • icon not checked

    Damage as a result of wear and tear over time.

  • icon not checked

    Anyone driving your car that is disqualified from driving or has never held a driving licence.

  • icon not checked

    Earthquakes, riots or civil unrest, radioactive contamination, war risks, terrorism, pollution and contamination.

  • icon not checked

    Excludes any accident or loss if the car is parked airside on any airport or airfield premises.

  • icon not checked

    Where you or any other person entitled to drive is under the influence of drugs during an accident.

  • icon not checked

    Loss or damage caused by theft if the car has been left unlocked or with the keys left in or on the car

  • icon not checked

    Any legal action taken against you outside the United Kingdom, unless it is a result of using your car in a country for which we have agreed to extend this insurance cover.

  • icon not checked

    Theft of personal belongings if carried in the body of an open-top car.

Get Insured to Ensure Peace of Mind.

Find Quality Cover at an Affordable Price.

Why Choose Us?

Here are just some of the reasons why you should get a quote with us.

  • icon house
    Changes to Your Policy

    If you need to make changes to your car insurance policy, our friendly team is only a phone call away.

  • icon house
    Hassle-Free Renewals

    Renewals are always simple with us. We’ll compare the policies you need and find the most up-to-date offers to get you the best quote on the market.

  • icon house
    Policies at Affordable Prices

    Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*

  • icon house
    Trusted Panel of Underwriters

    As one of the UK's leading insurance brokers, we will find the right policy to suit your business and vehicle with the help of a handful of trusted underwriters.

bespoke image

*Take out an insurance policy, or renew an insurance policy with One Sure Insurance, and if you find a cheaper quotation within 48 hours that is on a like for like basis that you can provide written proof of, we will cancel your insurance policy and issue a full refund. Subject to terms and conditions.

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

How much does car insurance cost?

Prices start from £91** per year

Get your quotes in minutes – prices are guaranteed for 30 days.

Get covered today.

**This price reflects the cheapest policy we have sold this year (2022), based on ideal risk circumstances, and may not be representative of the price you'll be quoted for your insurance policy and/or risk level. *51% of consumers could save £490.26 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Frequently Asked Questions

What are car insurance groups?

Insurance companies categorise cars in groups numbered one to 50, based on their risk factor. Usually, cars in group one are the cheapest to insure, and those in group 50 often end up being the most expensive.

The group a car falls into is determined by its value, performance, safety features, and an estimate of repair costs. When calculating your car insurance premium, your car’s insurance group, among other factors such as your postcode and driving experience, will be an element that affects your premium.

What are compulsory and voluntary excesses?

Compulsory excess is a set minimum amount that you must pay towards the cost of any claim you make. This amount is fixed by your insurer and is non-negotiable but different policies will have varying compulsory excess amounts. It’s important to consider your financial situation and your ability to pay the excess in the event of a claim when choosing your excess options. Our team are more than happy to help go through policies to find one that suits your budget and needs. 

For example, if your policy has a compulsory excess of £500 and you make a claim for £2,000, you would need to pay the first £500 towards the cost of the claim, and we would cover the remaining £1,500. 

Voluntary excess, on the other hand, is an additional amount that you can choose to add on top of the compulsory excess. This can help to lower the cost of your premium, as you agree to pay a higher amount towards any claim you make.  

For example, if your policy has a compulsory excess of £500 and you choose to add a voluntary excess of £250, you would need to pay the first £750 towards the cost of any claim, and we would cover the remaining amount. 

For more information on policy excesses, read our guide: Our Guide to Insurance Excesses.

What is a No Claims Discount?

A No Claims Discount is a reduction that you can earn on your insurance premium if you haven’t made any claims on your policy during a set period of time.

The discount increases each year that you don’t make a claim up to a maximum amount. This reward for safe and responsible driving can really help to lower the cost of your insurance over time, so it’s essential that you let us know about any history of No Claims Discounts when we’re calculating your estimated quotes.

Discover more about NCBs in our guide: How To Prove & Protect Your No Claims Bonus.

How long do you have to report a car accident to your insurance company?

You should report a car accident to your insurance company as soon as possible after it happens.

Ideally, you should notify your insurer within 24 hours to ensure that your claim is processed quickly and that any necessary repairs or medical treatment can be arranged.

Delays in reporting an accident may result in complications with your claim or even a denial of coverage, so it’s best to report it as soon as possible.

Find out more on the claims process by reading our guide: How To Make An Insurance Claim.

How long after a car accident can you claim on your insurance?

You can make a claim on your car insurance immediately after a car accident as long as you have reported it to your insurance company. However, the exact timeframe for making a claim may vary depending on the terms and conditions of your policy.

It’s always best to check your policy documents to confirm the exact timeframe for making a claim. If you need any help with making a claim after an accident, our dedicated claims team are always on hand to help 24/7, 365 days a year, via phone. To find the claims number corresponding to your insurance type, see our claims page.

What medical conditions have to be declared for car insurance?

When applying for car insurance, you are required to declare any medical conditions that may affect your ability to drive safely.

These may include conditions such as epilepsy, diabetes, or heart conditions, as well as any conditions that affect your vision or hearing. You may also need to declare any recent surgeries or medical treatments that could impact your ability to drive.

It’s important to be honest and transparent about your medical history when applying for car insurance, as failing to disclose relevant medical conditions could result in your policy being invalidated.

Insure Your Car Today

Get quality cover today at an affordable price in just minutes. We'll take care of everything from comparing quotes to policy add-ons.