Car Insurance
What Is Car Insurance and Why Do You Need It?
Car insurance is a legal requirement for every driver in the UK. Whether your car is parked on the street, sitting in your driveway, or being driven on the road, it must be insured unless you have declared it off the road with a SORN. Driving without insurance is a criminal offence that can result in a fixed penalty of £300, six penalty points, and in serious cases an unlimited fine and a driving disqualification.
UK Sure is an FCA-regulated insurance broker with access to a wide panel of leading UK insurers. We compare policies across comprehensive, third-party fire and theft, and third-party only cover to find you the right protection at a competitive price. Whether you drive a standard family car, an imported vehicle, a modified car, or use your car for business — we arrange cover tailored to your needs.
Your car is often the second most valuable thing you own, and driving exposes you to the risk of accident, injury, and theft. A good car insurance policy means you are financially protected if you need to repair your car, replace it after theft, or settle a liability claim following an accident. Speak to our UK-based team on 01323 416706 or get a quote online.
Why Our Car Insurance
What's NOT Covered
Key Features of Our Car Insurance
UK Sure compares car insurance from a panel of leading UK insurers so you get competitive cover without the hassle of searching multiple providers. Whether you need comprehensive protection or basic third-party cover, we find the right policy for your car and your budget.
Wide Panel of UK Insurers
We are not tied to one insurer. We compare policies across our panel to find you the best combination of cover and price.
Modified & Imported Cars Accepted
Standard insurers often decline modified or imported vehicles. UK Sure works with specialist providers who understand non-standard cars.
As an FCA-regulated broker, UK Sure provides legitimate, compliant car insurance policies. Our UK-based team is available Monday to Friday, 9am to 6pm, to discuss your cover, answer questions, and help you choose the right policy. We cover private cars, business-use vehicles, imported cars, and modified vehicles.
Frequently asked questions
1. What types of car insurance can I choose from?
There are three main types. Comprehensive cover protects you, your car, your passengers, and third parties — including theft, vandalism, and fire. Third-party fire and theft covers third parties plus your car if it is stolen or damaged by fire. Third-party only is the minimum legal requirement and covers damage or injury to other people and their property. Three-quarters of UK drivers choose comprehensive. Call us on 01323 416706 and we will help you decide which level is right for you.
2. How are car insurance premiums calculated?
Your premium depends on several factors including your age, driving experience, claims history, the car's insurance group (1 to 50), where you live, how you use the car, and your annual mileage. Cars in lower insurance groups — such as a Vauxhall Corsa (Group 1) — are cheaper to insure than high-performance vehicles like a Range Rover Sport (Group 50). UK Sure compares quotes across our panel to find you the best rate.
3. Can I get car insurance with a non-UK licence?
Yes. UK Sure arranges car insurance for drivers with EU and international driving licences. Premiums may be higher as international drivers are viewed as a higher risk by some insurers, but we work with specialist providers to find competitive rates. Call us on 01323 416706 to discuss your options.
4. What optional extras can I add to my car insurance?
You can add breakdown cover for roadside assistance, motor legal expenses cover if you need to take legal action after an accident, key cover for lost or stolen keys (replacement can cost over £200), windscreen protection, courtesy car cover, and no claims bonus protection. Our team can explain the available extras based on your circumstances.
5. What happens if I drive without insurance in the UK?
Driving without insurance is a serious offence. You can receive a fixed penalty of £300 and six penalty points on your licence. If the case goes to court, you could face an unlimited fine and a driving disqualification. The police can also seize and destroy your vehicle. You can check if a vehicle is insured for free on the askMID website using the registration number.
6. Can someone else drive my car on their insurance?
The registered keeper must ensure the car is insured at all times. If someone else wants to drive your car, they either need to be added as a named driver on your policy or have their own policy that covers driving other cars — though this is increasingly rare and usually only provides third-party cover. Check your policy wording or call us on 01323 416706 to confirm.