Compare High-Risk Car Insurance Quotes in the UK
Save money and time by comparing quotes from trusted specialist insurers who understand your driving history. Whether you’ve had claims, convictions, or bad credit, you can still find affordable cover through high-risk experts in the UK.
Why Compare High-Risk Car Insurance?
Premiums for high-risk drivers can vary by up to 60% between insurers. Comparing multiple quotes ensures you get the most competitive deal for your profile — and not overpay due to a single insurer’s risk criteria.
- ✔ Find cheaper quotes for high-risk profiles
- ✔ Compare trusted UK insurers side by side
- ✔ Get instant, no-obligation quotes
- ✔ Access flexible monthly payment plans
What You’ll Need Before Comparing Quotes
To get the most accurate price and avoid errors, have these details ready before starting your quote comparison:
- Your full name, address, and date of birth
- Vehicle make, model, and registration
- Driving licence details (including any points)
- Previous claims or accidents (up to 5 years)
- Annual mileage and where you park your car
How to Compare High-Risk Car Insurance Quotes
Comparing quotes is simple — and it can save you hundreds of pounds every year. Follow these steps:
- Enter Your Information: Provide accurate details about your car and driving history.
- Review Multiple Insurers: Check different offers from FCA-authorised UK specialists.
- Compare Cover Levels: Understand Third Party, Fire & Theft vs Comprehensive options.
- Choose and Apply: Select the policy that offers the best value and protection.
Example of Specialist High-Risk Car Insurance Providers
The following are examples of reputable UK-based companies known for offering cover to high-risk drivers. Always check the insurer’s FCA authorisation before purchasing a policy.
| Provider | Speciality | Typical Premium Range | Payment Options |
|---|---|---|---|
| Specialist Motor Direct | Convicted & Young Drivers | £1,200–£2,800 | Monthly / Annual |
| SecureDrive Insurance | Bad Credit & CCJ Drivers | £1,000–£2,400 | Direct Debit |
| Freedom Motor Cover | High-Risk & Claims History | £1,400–£3,000 | Flexible Terms |
How to Save Money on High-Risk Car Insurance
Even high-risk drivers can reduce costs by proving responsibility and improving their risk profile:
- Install a telematics (black box) device
- Complete an advanced driving course
- Choose a smaller or lower insurance group vehicle
- Limit your annual mileage
- Maintain a clean record for 12 months
Frequently Asked Questions
Is comparing car insurance quotes free?
Yes — comparing quotes online is completely free and won’t affect your credit score. You’re under no obligation to buy.
Will comparing quotes affect my credit score?
No. Insurers and comparison sites only perform “soft checks” during quote searches, which don’t appear on your credit file.
Do all insurers cover high-risk drivers?
No. Many mainstream providers don’t, but specialist insurers offer tailored options for drivers with claims or convictions.