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We think you’ll love it: but if you don’t, there’s no obligation to buy and no fee.

Car Insurance Explained

Six things that affect your car insurance premium

These are the six most common reasons for a high car insurance premium:

  • Age and driving experience: younger people and people with less driving experience will often pay more.
  • Car make and model: more expensive, large, or unusual cars will cost more to insure.
  • Home address: if you live in an area with statistically high insurance claim or general crime rates, your car insurance will cost more.
  • Mileage: insurers calculate that if you drive more, you’re more likely to be in an accident.
  • No Claims Discount [NCD]: a bigger no claims discount will usually get you a better price.
  • Car repair costs: if you drive an expensive car, your insurer will assume that repairs will also be more expensive.

Choose the right level of cover

Third Party, Fire and Theft

The lowest level of car insurance available, this cover level protects your car from damage caused by fire, theft or attempted theft and covers claims from a third party if you’re involved in an incident.

Fully Comprehensive

Includes everything you’ll get with Third Party, Fire & Theft, and also covers you and your own car if you’re involved in an accident. It also covers your windscreen and accidental damage that you cause to your own car.

Add the right extras

Breakdown cover

Roadside assistance, nationwide recovery, and cover at home to get you home or get you moving.

Protected no claims discount

Protect your discount so you don’t lose it as a direct result of making one single claim.

Motor legal cover

Get legal aid to recover compensation and financial losses after an incident that wasn’t your fault.

Courtesy car/Hire car

Get a courtesy car whilst your car is repaired, or a hire car if your car is written off or stolen.

Foreign use

Peace of mind when you’re driving abroad: enjoy the same level of cover in Europe, as at home.

Personal Injury Cover

Cover injuries to yourself, your partner and any other named drivers after a motor accident.

What information will we need from you?

Personal Information

Your date of birth, driving licence information, address and occupation.


Claims History

Details and dates of any claims or accidents, and how many years No Claims Discount you have.

Car Details

Make and model, number plate, engine size, estimated mileage, where your car is kept overnight.


We’ll need to confirm you’re a UK resident and legally entitled to drive in the UK.

Additional Drivers

We’ll need personal information, claims history and eligibility information for any named drivers.

Cheaper Insurance Direct: How It Works

Your quote is free, with no obligation to buy: so if you don’t buy the policy we recommend for you, you pay nothing.

Our fee is approx. one-third of what we saved you. So, if we save you £150 against your renewal quote, our fee is £50 and you pocket the saving of £100. Everybody wins!

What if I don’t have a renewal quote?
If you are insuring for the first time and you don’t have a previous premium to save against, we will ask you to show us the best quote you have found for yourself: we will calculate your total savings based on that.

We always confirm the exact amount of our fee before you commit to buying your insurance: so there are never any nasty surprises nor hidden extras.

What our customers say about us

Mary Carr
Mary Carr
22. December, 2021.
Alex and his staff are always very helpful. I would highly recommend using Cheaper Car Insurance.
Gavin Lynch
Gavin Lynch
16. December, 2021.
First class service from start to finish, whole process was hassle free and very professional. Highly recommend
Yvonne McLaughlin
Yvonne McLaughlin
15. December, 2021.
I've used Cheaper Insurance Direct over the years for different reasons. Always got me a good deal which I was happy with. Given me good, honest advice about shopping around. CID were a great help getting my son his first car insurance. I'm sure he has gone with there recommendation for 3 years since passing his test. Would recommend and definitely use in the future. Always helpful and great at getting back to you.
david Mcclymont
david Mcclymont
15. December, 2021.
Yes fantastic professional company, always on the ball with the ultimate quote,s on all types of insurance, I personally have been using them for years now ,NEVER had any problems with the service and friendliness when I go in for a quote, great work 👍 😀
Martin Allen
Martin Allen
15. December, 2021.
I have used Cheap Car Insurance for a few years now, great service and always friendly helpful service/advice, my whole family use them for car insurance and I also use for house insurance. I have been through loads of car insurance brokers over the years and these are the best, second to none!!! Highly Recommended.
Jok Mcpherson
Jok Mcpherson
13. September, 2021.
Got a great deal
7. September, 2021.
They got me a decent price but I ended up using the price to negotiate a better price with my current insurer..

We’ve got your insurance needs covered