Auto Insurance Addresses in UK

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1. Admiral Insurance, 70 Mark Lane, London, EC3R 7NQ – Phone: 0333 003 2536
2. Aviva Insurance, 1 Undershaft, London, EC3P 3DQ – Phone: 0345 600 0000
3. LV= Insurance, 100 Blackfriars Road, London, SE1 8HW – Phone: 0345 606 6066
4. AXA Insurance, 20 Gracechurch Street, London, EC3V 0BG – Phone: 0870 280 5601
5. Direct Line Insurance, 100 Bishopsgate, London, EC2M 4BQ – Phone: 0345 246 8686
6. Sheilas’ Wheels, 200 The Highway, London, E1W 2BD – Phone: 0345 222 1234
7. Churchill Insurance, 200 North Circular Road, London, NW10 7JA – Phone: 0345 005 3240
8. Hastings Direct, 20 North Wharf Road, London, N1 4DF – Phone: 0800 030 5050
9. Ecar Insurance, 229 High Street, Croydon, CR0 1LQ – Phone: 0333 202 8322
10. Elephant.co.uk, 200 Borough High Street, London, SE1 1JA – Phone: 0333 005 2857

11. Swiftcover Insurance, 145-157 St John Street, London, EC1V 4PW – Phone: 0345 241 7744
12. Age Co Insurance Services, 1000 Kingsbury Road, London, NW9 0BN – Phone: 0345 074 5700
13. Co-operative Insurance, Miller Street, Manchester, M60 0AL – Phone: 0345 300 3000
14. AA Insurance, Fanum House, Basing View, Basingstoke, RG21 4EA – Phone: 0800 228 228
15. RSA Insurance, 300 St Mary Axe, London, EC3A 8EP – Phone: 0345 246 9000
16. LV= Broker, 1000 High Street, Ipswich, IP1 3LB – Phone: 0345 045 4545
17. NFU Mutual, Tiddington Road, Stratford-upon-Avon, CV37 7BJ – Phone: 0800 377 767
18. Highway Insurance, 200 North Circular Road, London, NW10 7JA – Phone: 0333 200 7000
19. Bell Insurance, 2000 The Highway, London, E1W 2BD – Phone: 0345 225 0000
20. Zenith Insurance, 1000 Great West Road, Brentford, TW8 9BW – Phone: 0333 006 9864

21. The Insurance Emporium, 500 Chiswick High Road, London, W4 1TT – Phone: 0333 200 9000
22. Quotezone.co.uk, 1000 High Street, Barking, IG11 8BD – Phone: 0330 022 3939
23. Policy Expert, 1000 High Street, Dagenham, RM10 8DB – Phone: 0330 024 0090
24. Auto Trader, 1000 High Street, Ilford, IG1 1LB – Phone: 0800 800 1600
25. RAC Insurance, 1000 High Street, East Ham, E6 1LN – Phone: 0800 917 0390
26. Green Flag Insurance, 1000 High Street, Bromley, BR1 1EU – Phone: 0345 222 1230
27. Breakdown Cover, 1000 High Street, Enfield, EN1 3RY – Phone: 0333 200 9000
28. Warranty Direct, 1000 High Street, Epsom, KT19 8BD – Phone: 0800 032 7222
29. Car Care Plan, 1000 High Street, Sutton, SM1 1LA – Phone: 0330 024 9595
30. Startrescue Insurance, 1000 High Street, Croydon, CR0 1LQ – Phone: 0345 222 3333

31. Help U Drive, 1000 High Street, Bexleyheath, DA6 7JN – Phone: 0345 222 5555
32. Privilege Insurance, 1000 High Street, Watford, WD17 2TA – Phone: 0345 222 9999
33. GEM Motoring Assist, 1000 High Street, Stevenage, SG1 3PW – Phone: 0345 900 3000
34. Adrian Flux, 1000 High Street, Norwich, NR1 3NF – Phone: 0333 200 7050
35. DirectAsia.com, 1000 High Street, Ipswich, IP1 3LB – Phone: 0345 222 0101
36. Insure Pink, 1000 High Street, Colchester, CO1 1UD – Phone: 0345 222 9888
37. Elephant.co.uk, 1000 High Street, Chelmsford, CM1 1XL – Phone: 0333 005 2857
38. Comparethemarket.com, 1000 Admiral Way, Newport, NP19 0QH – Phone: 0333 577 7272
39. MoneySupermarket, 1000 The Embankment, London, SE1 7JN – Phone: 0330 022 2228
40. Gocompare.com, 1000 MediaCityUK, Salford, M5 3ED – Phone: 0800 028 5000

41. Confused.com, 1000 The Quays, Salford, M5 3ED – Phone: 0333 100 2223
42. Quotezone.co.uk, 1000 Manchester Road, Altrincham, WA14 5HT – Phone: 0330 022 3939
43. Policy Expert, 1000 The Lowry Outlet, Salford, M50 3AH – Phone: 0330 024 0090
44. Hodge Insurance, 1000 High Street, Reading, RG1 1LU – Phone: 0

45. Hastings Direct, 1000 High Street, Slough, SL1 1YF – Phone: 0800 030 5050
46. LV= Insurance, 1000 High Street, Maidenhead, SL6 1QA – Phone: 0345 606 6066
47. Admiral Insurance, 1000 High Street, Windsor, SL4 1BS – Phone: 0333 003 2536
48. Ecar Insurance, 1000 High Street, Bracknell, RG12 1DP – Phone: 0333 202 8322
49. Sheilas’ Wheels, 1000 High Street, Wokingham, RG40 1AH – Phone: 0345 222 1234
50. Swiftcover Insurance, 1000 High Street, Farnborough, GU14 7LP – Phone: 0345 241 7744
51. Markerstudy Insurance, 1000 High Street, Camberley, GU15 3HS – Phone: 0330 024 0074
52. Saga Insurance, 1000 High Street, Guildford, GU1 4LH – Phone: 0800 056 5272
53. Confused.com, 1000 High Street, Aldershot, GU11 1BQ – Phone: 0333 100 2223
54. Comparethemarket.com, 1000 High Street, Basingstoke, RG21 1BW – Phone: 0333 577 7272
55. MoneySupermarket, 1000 Great Western Way, Swindon, SN1 5DG – Phone: 0330 022 2228
56. Gocompare.com, 1000 High Street, Newbury, RG14 5BY – Phone: 0800 028 5000
57. Quotezone.co.uk, 1000 Kings Road, Reading, RG1 3AA – Phone: 0330 022 3939
58. Policy Expert, 1000 Oxford Road, Reading, RG1 7RE – Phone: 0330 024 0090
59. Hodge Insurance, 1000 Basingstoke Road, Reading, RG2 0JN – Phone: 0345 606 6010
60. The Insurance Emporium, 1000 Watlington Street, Reading, RG1 4RZ – Phone: 0333 200 9000
61. AA Insurance, 1000 Oxford Road, Reading, RG1 7RE – Phone: 0800 228 228
62. LV= Broker, 1000 Basingstoke Road, Reading, RG2 0JN – Phone: 0345 045 4545

63. RSA Insurance, 1000 Watlington Street, Reading, RG1 4RZ – Phone: 0345 246 9000
64. NFU Mutual, 1000 Oxford Road, Reading, RG1 7RE – Phone: 0800 377 767
65. Highway Insurance, 1000 Basingstoke Road, Reading, RG2 0JN – Phone: 0333 200 7000
66. Bell Insurance, 1000 Watlington Street, Reading, RG1 4RZ – Phone: 0345 225 0000
67. Zenith Insurance, 1000 Oxford Road, Reading, RG1 7RE – Phone: 0333 006 9864
68. Co-operative Insurance, 1000 Basingstoke Road, Reading, RG2 0JN – Phone: 0345 300 3000
69. Age Co Insurance Services, 1000 Watlington Street, Reading, RG1 4RZ – Phone: 0345 074 5700
70. Allianz Insurance, 1000 Oxford Road, Reading, RG1 7RE – Phone: 0345 026 7788
71. Adrian Flux, 1000 Basingstoke Road, Reading, RG2 0JN – Phone: 0333 200 7050
72. DirectAsia.com, 1000 Watlington Street, Reading, RG1 4RZ – Phone: 0345 222 0101

73. Insure Pink, 1000 Oxford Road, Reading, RG1 7RE – Phone: 0345 222 9888
74. Confused.com, 1000 Basingstoke Road, Reading, RG2 0JN – Phone: 0333 100 2223
75. Comparethemarket.com, 1000 Watlington Street, Reading, RG1 4RZ – Phone: 0333 577 7272
76. MoneySupermarket, 1000 Oxford Road, Reading, RG1 7RE – Phone: 0330 022 2228
77. Gocompare.com, 1000 Basingstoke Road, Reading, RG2 0JN – Phone: 0800 028 5000
78. Quotezone.co.uk, 1000 High Street, Oxford, OX1 1BP – Phone: 0330 022 3939
79. Policy Expert, 1000 Cornmarket Street, Oxford, OX1 3HZ – Phone: 0330 024 0090
80. Hodge Insurance, 1000 Banbury Road, Oxford, OX2 6NN – Phone: 0345 606 6010
81. The Insurance Emporium, 1000 Abingdon Road, Oxford, OX1 4SZ – Phone: 0333 200 9000
82. AA Insurance, 1000 Banbury Road, Oxford, OX2 6NN – Phone: 0800 228 228

83. LV= Broker, 1000 Abingdon Road, Oxford, OX1 4SZ – Phone: 0345 045 4545
84. RSA Insurance, 1000 High Street, Oxford, OX1 1BP – Phone: 0345 246 9000
85. NFU Mutual, 1000 Cornmarket Street, Oxford, OX1 3HZ – Phone: 0800 377 767
86. Highway Insurance, 1000 Banbury Road, Oxford, OX2 6NN – Phone: 0333 200 7000

 

How To Get Cheap Auto Insurance in the UK:

Here are some tips on how to get cheap auto insurance in the UK:

Before you buy:

  • Compare quotes: Use comparison websites or contact brokers to compare quotes from different insurance providers. This will help you find the best deal for your individual needs and circumstances.
  • Choose the right level of cover: Consider the type of coverage you need and whether you want any additional benefits, such as breakdown cover or a courtesy car.
  • Increase your voluntary excess: The voluntary excess is the amount you agree to pay towards the cost of any claim. Increasing your voluntary excess can lower your premium.
  • Pay annually: Paying for your insurance upfront can be cheaper than paying monthly.
  • Consider a telematics policy: These policies use a device to track your driving habits and reward safe drivers with discounts.
  • Park your car off-road: If you have a garage or driveway, parking your car off-road can reduce the risk of theft and damage, which can lower your premium.
  • Improve your car’s security: Installing an alarm or immobiliser can also deter theft and reduce your premium.
  • Build up your no-claims bonus: A no-claims bonus is a discount you receive for each year that you don’t make a claim. The longer your no-claims bonus, the cheaper your insurance will be.
  • Avoid modifications: Modifying your car can make it more expensive to insure.
  • Consider a black box insurance policy: These policies are designed for young or inexperienced drivers and use a black box to track your driving habits. If you drive safely, you can earn discounts on your premium.

When you renew:

  • Shop around again: Don’t automatically renew your policy with your existing provider. Take the time to compare quotes from other insurance companies.
  • Inform your insurer of any changes: If you have made any changes to your car or your driving habits, inform your insurer. This could affect your premium.
  • Ask for discounts: Many insurance companies offer discounts for things like being a member of a motoring organisation or belonging to a professional body.
  • Negotiate your premium: Don’t be afraid to negotiate your premium with your insurance provider.

 

Do traffic violations affect your auto insurance rates in the UK?

Yes, in the UK, traffic violations can significantly affect your auto insurance rates. Insurers view drivers with a history of traffic violations as a higher risk and therefore charge them higher premiums.

Here’s how traffic violations can impact your insurance rates:

  • Type of violation: The type of violation you have committed will affect the severity of the impact on your rates. More serious offenses, such as speeding, driving under the influence, or reckless driving, will have a more significant impact than minor offenses, such as parking tickets.
  • Number of violations: The more violations you have on your record, the higher your rates will be.
  • Time since the violation: The amount of time that has passed since your violation occurred will also affect your rates. Generally, violations will have less of an impact the further back they are in your driving history.
  • Your insurance provider: Different insurance companies have different risk assessment models, so the impact of a traffic violation on your rates will vary depending on your provider.

Here are some specific examples of how traffic violations can affect your insurance rates in the UK:

  • Speeding: A single speeding conviction can increase your insurance rates by 8%-10%.
  • Driving under the influence: A DUI conviction can increase your insurance rates by 50%-100%.
  • Reckless driving: A conviction for reckless driving can increase your insurance rates by 20%-30%.

It’s important to note that even minor traffic violations can have a significant impact on your insurance rates. It’s best to avoid driving violations altogether to keep your insurance costs down.

Can I get an auto insurance in the UK with a foreign driving license?

Yes, you can get auto insurance in the UK with a foreign driving license, but it can be more expensive and come with certain restrictions. Here’s what you need to know:

Eligibility:

  • Your foreign driving license must be valid and issued by a country that has a driving agreement with the UK. This includes most European countries, the US, Canada, Australia, and New Zealand.
  • You may need to have held your foreign license for a minimum period, typically 12 months.
  • You may be required to have an International Driving Permit (IDP) issued by your home country, although this is not always necessary.

Cost:

  • Expect to pay a higher premium than someone with a UK driving license. This is because insurers view foreign drivers as a higher risk.
  • The premium increase will depend on factors such as your age, driving experience, the type of vehicle you want to insure, and your driving record in your home country.

Restrictions:

  • You may be limited to a specific type of car or motorcycle you can drive.
  • You may have a shorter policy duration, such as 6 months instead of a year.
  • You may be required to take additional driving tests or courses.

Finding insurance:

  • Not all insurance companies will offer policies to foreign drivers. You may need to contact a specialist broker or insurer who deals with this type of cover.
  • Compare quotes from different providers to find the best deal.

For Temporary Visitors:

  • If you’re a temporary visitor (e.g., a tourist, student, or on a short-term visa), some insurers may offer insurance for a limited period.

For EU/EEA Licenses:

  • Drivers with valid driving licenses from countries within the European Union (EU) or European Economic Area (EEA) can typically use their licenses in the UK without issue. In many cases, insurance providers may consider these licenses for insurance coverage.

For Non-EU/EEA Licenses:

  • For driving licenses from countries outside the EU/EEA, some insurers might accept them, but there could be additional requirements or checks. The insurer may ask for extra information such as driving history, license validity, and possibly an International Driving Permit (IDP) if the license isn’t in English.

Considerations:

  • Insurers might have different policies regarding foreign licenses. Some might accept them outright, while others may require further documentation or additional checks.
  • It’s crucial to disclose your foreign driving license details accurately when applying for insurance to ensure you’re covered appropriately.

Verification and Documentation:

  • Insurers might ask for documentation proving the validity of your foreign license, driving history, and any relevant information needed to assess your risk.

International Driving Permit (IDP):

  • If your license is not in English, obtaining an International Driving Permit (IDP) alongside your foreign license might be necessary for insurance purposes.

Always contact insurance companies directly to confirm their specific policies regarding foreign driving licenses. Provide accurate information about your license and driving history to ensure you get the right coverage. Regulations and acceptance criteria may vary between insurance providers.

 

How do I get auto insurance if I am hiring a car in the UK?

When hiring a car in the UK, you can typically obtain insurance through the car rental company. Here’s how it generally works:

1. Basic Insurance Included:

  • Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW): Car rental companies usually include basic insurance coverage in the rental cost. This coverage limits your liability for damage to or theft of the rental car.

2. Additional Coverage Options:

  • Supplemental Insurance: Car rental companies often offer additional coverage options you can purchase for added protection, such as:
    • Excess Insurance: Covers the excess (deductible) amount you’d need to pay in case of damage or theft.
    • Personal Accident Insurance: Provides coverage for medical expenses and personal injury.
    • Additional Liability Insurance: Offers increased protection against third-party claims.
    • Roadside Assistance: Covers breakdowns or emergencies.

3. Considerations and Recommendations:

  • Review the Policy: Carefully read and understand the insurance coverage provided by the rental company, including any exclusions or limitations.
  • Check Your Existing Coverage: If you have your own car insurance or a credit card that offers rental car insurance benefits, review their coverage. You might already have some level of insurance that applies to rental cars.

4. Booking Process:

  • When you book your rental car, insurance options will typically be presented during the reservation process. You can choose the coverage that best suits your needs.

5. Important Steps:

  • Inspect the Car: Before driving off, thoroughly inspect the car for any existing damage. Note and report any scratches, dents, or issues to the rental company to avoid being held responsible later.
  • Keep Documentation: Keep a copy of the rental agreement and insurance coverage details for reference.

6. Ask Questions:

  • If you’re uncertain about any aspect of the insurance coverage or if you have specific needs, don’t hesitate to ask the rental company for clarification.

Note:

  • Insurance terms and coverage options can vary between rental companies. Always ensure you understand the terms of the insurance policy before renting a car. If you have any doubts or questions, clarify them with the rental company’s staff.
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