Our FAQs guide walks you through the process of getting a car insurance quote from uSwitch
uSwitch makes it easy to compare car insurance quotes from different providers. Get started by entering your car’s registration below, and read on for guidance on getting a quote.
Skip to:
- Before you get started
- How long will it take to get quotes?
- Why do you need my personal details?
- What if I don’t know my registration number?
- Which modifications do I have to declare?
- My car is worth more/less than the estimate given
- I don’t know my annual mileage
- Who is/will be the registered keeper and legal owner?
- My job is not listed on the form
- Can I get quotes if I don’t have a full UK licence?
- Do I have to declare all of my previous insurance claims?
- Do I have to declare all of my previous driving offences?
- Do I have to declare non-motoring offences?
- Should I protect my no claims bonus?
- How can I add another driver to the policy?
- What type of cover do I need?
- What is a voluntary excess?
- Should I pay annually or monthly?
- The form will not accept my start date
- Will I be contacted?
- The site is not returning quotes or they seem very expensive
- Is the price of my quote guaranteed?
- How do I buy a policy?
Before you get started
If you buy an insurance policy under false terms, such as not declaring claims or convictions, or lying about any information on your application, you are committing insurance fraud. While you can run as many quotes as you like, you must ensure your correct details are entered before purchasing your chosen policy.
How long will it take to get quotes?
If you have all your relevant details to hand, it should take just a few minutes to compare insurance quotes with uSwitch.
Why do you need my personal details?
Our panel of insurers needs accurate details in order to give you tailored insurance quotes. We will also send your quotes by email so they are easily accessible, but you can opt out of receiving any further contact from us.
What if I don’t know my registration number?
If you don’t know your registration number, for example if you are testing quotes for a car you are yet to buy, you can manually enter your car’s make and model.
Section 1: Car
Which modifications do I have to declare?
You need to declare any modifications that were differ from the manufacturer’s original specification, including any optional extras available at purchase. You can see the full list of modifications by selecting ‘yes’ to the question ‘does the car have any modifications’, or read our modifications guide for more information.
My car is worth more/less than the estimate given
We’ve used a car industry valuation service to estimate the value of your car. You can enter your own valuation if you disagree with the figure or if no valuation is provided (please note that the insurer will use this valuation as a basis for your quotes as well as for any claims, so try to be as accurate as possible).
I don’t know my annual mileage
If you’re not sure of how many miles you will cover, give the best estimation you can, rather than just choosing a random number. To get the best indication of how many miles a year you drive, take a look at the mileage recorded on your previous service or MOT certificates. If you don’t have these or you’re a new driver, think of the journeys you will make regularly and work out how many times you’re likely to make them in a year. It’s worth taking the time to work this out as over or underestimating your mileage could increase your insurance costs.
Who is/will be the registered keeper and legal owner?
The owner and registered keeper of the car are not necessarily the same person — it’s important that you enter this information correctly. If you’re purchasing an insurance policy for a company car, leased car, or a car belonging to someone else, you may be the registered keeper but not the legal owner.
Section 2: Driver
My job is not listed on the form
All insurers use a standard list of occupations, which does not include all jobs or business types. If you can’t find your job on the list, choose the one that most resembles the type of work you do.
Can I get quotes if I don’t have a full UK driving licence?
We will search for quotes based on the licence type you enter in the ‘driver’ section of the form. If you have a provisional, foreign or automatic licence and later get a full UK licence, your insurer can amend your policy to reflect that.
Do I have to declare all of my previous insurance claims?
You must enter the details of any insurance claims you’ve made in the last five years, even those that were not your fault. The details (such as description of incident and effect on your no claims bonus) should be on the claim documentation from your insurer. Unfortunately, we are unable to provide quotes for any driver with more than five claims in the past five years.
Do I have to declare all of my previous driving offences?
You must enter the details of any driving offences from the last five years (including any that are pending). You only have to declare parking fines if they led to points on your licence. Enter the DVLA offence code in the box and select how many points you received on your licence, if any.
Do I have to declare non-motoring offences?
Insurers ask about criminal convictions because they see it as a risk factor and it could affect the cost of your insurance. You only have to disclose convictions that are not ‘spent’. Read our guide to convictions for more information.
Should I protect my no claims bonus?
If you have four or more years’ no claims, you will have the option to protect your no claims bonus. This might be a good option for you if you’re concerned about losing your discount in the event of a claim — but be aware that most insurers will increase your premium slightly to cover this cost. You can choose to add or remove no claims bonus protection on the results page to see the difference in cost and decide whether it’s worth paying for.
How can I add another driver to the policy?
You cannot be the policyholder of an insurance policy on behalf of anybody else. The person who will drive the car most regularly must be listed as the policyholder (main driver). Read our guide on fronting to find out more.
Section 3: Cover
What type of cover do I need?
Insurers offer three types of cover: third party (the minimum legal requirement), third party fire and theft, and comprehensive. Third party policies only cover damage to third party vehicles and property, while comprehensive policies cover your vehicle too.
While it may seem logical that lower levels of cover are cheapest, this often isn’t the case – particularly for younger or more inexperienced drivers. You can easily switch between types of cover on the results page to compare prices. Our guide to types of insurance explains more.
What is a voluntary excess?
A voluntary excess is an amount that you volunteer to pay in the case of a claim, on top of the compulsory excess set by your insurer. Effectively, you pay a portion of the claim while the insurer covers the rest. Insurers can give cheaper premiums to those who offer to pay a higher excess – but make sure you can afford the amount as you will have to pay it out if you make a claim.
Should I pay annually or monthly?
Monthly payments can be a great way to spread the cost of your insurance cover, but insurers will typically charge more for this option. Our guide to insurance payments explains more.
The form will not accept my start date
We can only give quotes for policies starting in the next 30 days. You can save your quote if you register for an account and when you come back within 30 days of your start date most of the form will be pre-filled with your information so you don’t have to enter it again.
Will I be contacted?
You will receive an email with your top five quotes so you can easily see and access them. You can choose to opt in or out of marketing emails as well as being contacted by insurers. You may also choose to receive marketing emails of be contacted directly by insurers, but you can opt out using the tick box.
Section 4: Results
The site is not returning quotes or they seem very expensive
Make sure you have entered all of your details correctly. A simple mistake such as mistyping your mileage or car value can significantly impact the price of quotes returned to you.
Also be aware that the type of cover can affect your cost considerably. Don’t assume that third party is the cheapest – some insurers will actually charge more for this type of cover (especially for young/inexperienced drivers) because they deem it to be more risky.
Is the price of my quote guaranteed?
While our quotes are accurate at the time of being generated, insurance companies regularly update their prices and you may not always get the price you’ve been quoted.
How do I buy a policy?
Once you have completed all questions on the form, you will see a list of tailored insurance quotes. Click on the red ‘more info’ button to find out more about the policy. If you are happy to purchase the policy, you can either call using the ‘call direct now’ button, or the ‘buy online now’ button (not available for all quotes).
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