Go.Compare Car Insurance: A Guide to Comparing Cover
Go.Compare is a UK comparison website that helps drivers compare car insurance quotes from a range of providers. Instead of contacting insurers one by one, you can enter your details once and review available options in one place. The price and cover offered will depend on your circumstances and the insurers included in your search.
How does Go.Compare car insurance work?
To get quotes, you’ll usually be asked for information such as your car’s registration, where it is kept, how it is used, your annual mileage and details of the people who will drive it. You may also need to provide information about your driving history, claims and any convictions.
Once you’ve submitted your details, you can compare the quotes shown and check each policy’s features, limits, excesses and exclusions. If you choose a policy, you’ll generally complete the purchase with the insurer or broker providing it. Go.Compare is a comparison service, not the company that provides the insurance itself.
Types of car insurance to compare
UK drivers can generally choose between three main levels of cover:
- Third party: Covers your liability for injury to other people and damage to their property. It does not cover damage to your own car.
- Third party, fire and theft: Includes third-party cover, plus cover if your car is stolen or damaged by fire, subject to the policy terms.
- Comprehensive: Typically includes third-party, fire and theft cover, as well as cover for damage to your own car. What’s included varies between policies.
Comprehensive insurance is not automatically the most expensive option. Prices depend on many factors, so it can be worth comparing all available levels of cover rather than assuming one will cost less.
What to check when comparing quotes
The cheapest quote may not be the best fit. Before choosing a policy, review:
- Excess: Check the compulsory and voluntary excesses. You may have to pay these towards a claim.
- What’s included: Look for details on windscreen cover, personal belongings, replacement vehicles and driving other cars. These benefits are not always included, or may have restrictions.
- Optional extras: Breakdown cover, legal expenses and a courtesy car may be available for an additional cost.
- Exclusions and limits: Read the policy documents to understand what is not covered and any limits that apply.
- Payment method: Compare the total cost of paying annually with the total cost of monthly instalments, including any interest or fees.
- Insurer or broker: Check who is providing the policy and how to contact them if you need help or want to make a claim.
How to get a more accurate quote
Provide complete and accurate information when completing a comparison. Details such as your address, occupation, mileage, vehicle use and named drivers can affect the quote. Incorrect or incomplete information could result in a policy being changed or a claim being affected.
It can also help to have your vehicle registration, driving licence details and claims history to hand. If your circumstances change, tell your insurer, as this may affect your cover or premium.
Is Go.Compare car insurance right for you?
A comparison website can be a convenient way to explore car insurance options, but it may not show every policy available on the market. You may wish to compare the results with quotes from insurers that do not appear on the site, and check the policy documents before buying.
Go.Compare can help you start your search, but the right policy depends on your needs, budget and driving circumstances. Compare the cover as well as the price, and make sure you understand the terms before you decide.
6 Tips for Comparing Car Insurance with Go.Compare
- Compare quotes with the same cover details.
- Check the excess before choosing a policy.
- Review what’s included, such as breakdown cover.
- Enter accurate details about your car and driving history.
- Look for limits on mileage and named drivers.
- Check the insurer’s reviews and claims process.
Compare quotes with the same cover details.
When using Go.Compare for car insurance, compare quotes with the same cover details to make sure you’re assessing them fairly. Check that each quote has the same level of cover, excess, annual mileage, named drivers and optional extras, such as breakdown cover or a courtesy car. A cheaper quote may offer less protection or include a higher excess, so review the policy details as well as the price before choosing.
Check the excess before choosing a policy.
Before choosing a Go.Compare car insurance policy, check the excess: the amount you may need to pay towards a claim. Policies can have a compulsory excess set by the insurer and a voluntary excess you choose yourself; these may be added together. A higher excess can sometimes reduce your premium, but make sure you could afford to pay it if you needed to claim. Compare excesses alongside the price and cover to find a policy that suits your budget.
Review what’s included, such as breakdown cover.
When comparing car insurance on Go.Compare, check exactly what each policy includes rather than focusing only on the price. Breakdown cover, for example, may be included, offered as an optional extra or unavailable, and the level of assistance can vary between providers. Check whether it covers roadside repairs, recovery and onward travel, and read the policy terms so you know what to expect if your car breaks down.
Enter accurate details about your car and driving history.
When using Go.Compare to compare car insurance, enter accurate details about your car and driving history. Information such as your vehicle’s make and model, annual mileage, where it is kept, previous claims and driving convictions can affect the quotes you receive. Check your answers carefully before submitting them, as incorrect or incomplete details could lead to an inaccurate quote and may affect your cover or a claim.
Look for limits on mileage and named drivers.
When comparing car insurance through Go.Compare, check any mileage limits and named-driver conditions carefully. Some policies may restrict how far you can drive in a year, while others may require you to list every person who will regularly use the car. Choose limits and drivers that accurately reflect how the vehicle is used, and make sure occasional or young drivers are covered where needed. If your circumstances change, contact the insurer, as exceeding a mileage limit or driving outside the policy terms could affect your cover.
Check the insurer’s reviews and claims process.
Before choosing a policy through Go.Compare, check reviews of the insurer or broker and look into how its claims process works. Reviews can offer insight into customer service and how claims are handled, while the policy documents should explain how to make a claim, what evidence may be needed and any relevant time limits. Consider a range of recent reviews, but remember that individual experiences can vary.