Car Insurance
Get A Quote For Tailored Car Insurance With Options To Suit You
Let our friendly skilled staff take away the hassle and find you a policy tailored for your individual needs.
Who We Are
Advance Insurance is an insurance broker, not a comparison site. That means a real person arranges your car insurance around your circumstances, rather than an algorithm sorting you into a box. As a broker with access to a wide panel of insurers, we find tailored car insurance for everyday drivers, higher-value cars, and vehicles that mainstream sites struggle with.
With many schemes and insurers available to us we can arrange cover for many makes and models, be it your daily driver or your weekend toy we can help to get you on the road.
What Cover We Can Arrange
Every car insurance policy starts with a level of cover, and we help you choose the right one rather than defaulting to the cheapest.
- Comprehensive car insurance is the highest level of cover, protecting your own vehicle as well as other people, passengers, and their property.
- Third party, fire and theft covers your legal liability to others and adds protection if your car is stolen or damaged by fire.
- Third party only is the legal minimum, covering damage and injury you cause to others but not your own vehicle.
On top of the level of cover, we can arrange extras:
- Breakdown cover at home and at the roadside.
- A courtesy car while yours is repaired after a claim.
- Named driver and multi-car options for households with more than one vehicle.
We also arrange cover for vehicles beyond the everyday. If your car is a classic, we have a dedicated home for it, and we can talk through agreed value and limited mileage there.
Why Use a Car Insurance Broker?
A price comparison site shows you a list. A broker gives you advice. That is the real difference, and it matters most when your motor insurance is not straightforward.
When you come to us for car insurance, our brokers read your situation and match it to the right insurer, rather than ranking policies purely on headline price. We can explain what a policy actually covers, flag the exclusions a comparison table hides, and speak to underwriters directly when a driver or vehicle needs a human decision.
If you have been quoted a high price online, been refused cover, or simply want someone to handle the legwork, that is where a car insurance broker earns its place. Car insurance, sometimes called motor or auto insurance, is our core business, and we treat it as a conversation rather than a form.
4x4 and Off-Road Vehicle Insurance
Four-wheel-drive vehicles are a world of their own, and we insure them as such. A 4×4 can be a family SUV, a working farm vehicle, or a weekend off-roader, and each is rated differently. Higher values, costlier repairs, and greater power mean 4×4 car insurance is rarely priced the same as a small hatchback, and some insurers shy away from vehicles used off road or on agricultural land.
As a broker we place 4×4 and off-road vehicles with insurers who understand them, whether the vehicle is used purely on the road, for towing, or across a farm. Tell us how and where the 4×4 is driven and we will match it to cover that fits, rather than a one-size policy that leaves gaps.
How to Get a Quote and Buy Your Cover
Getting car insurance through us is simple, and you can start online or over the phone. Here is how it works and what people most often ask.
You give us the driver and vehicle details, we compare car insurance policies across our panel of insurers, and we come back with a car insurance quote plus plain-English advice. You can buy your car insurance cover online or let our team arrange it directly, whichever suits you.
Frequently Asked Questions
Is fully comprehensive cover better than third-party, fire, and theft?
Overall, yes. A third-party insurance policy does not cover you if your car is stolen, meaning you’d have to pay for a new car out of your own pocket. Third-party cover is the legal minimum, while a third-party, fire and theft policy provides a slightly higher level of cover as it also includes theft and damage caused to your car because of theft or fire. If you can afford to, we’d recommend choosing a fully comprehensive insurance policy, as it gives you much greater protection, covers you for injuries to other people and passengers and damage to property. Your car is also insured against fire, theft, and accidental damage.
What is multi-car policy?
This type of policy allows motorists with two or more cars who live at the same address to cover their cars on the same policy rather than paying for two individual policies. This is often cheaper, too, as the policyholders receive a discount on their premium depending on how many vehicles they insure.
What is the 'total excess'?
This is the amount you pay if you need to make a claim. This consists of two parts: the ‘voluntary excess’ – which is the amount you choose to pay towards the claim – and the compulsory excess, which is an amount specified by your insurance company. If you want to lower the cost of your insurance premiums, then choosing a higher voluntary excess is a quick option. However, please make sure this is still affordable, otherwise you won’t be able to claim at all.
Why is car insurance so expensive for young drivers?
The cost of insuring younger drivers is considerably higher because insurance companies consider them to be a greater risk. Young drivers under the age of 25 are significantly more likely to be involved in an accident than drivers over this age, which is why your car insurance premiums drop significantly once you’re older.
Will car insurance go up after a claim?
If you make a claim your car insurance, then yes, the cost of renewing your insurance will go up unless some other significant factor works in your favour to bring it down. Even if you claim an accident that wasn’t your fault, your premium may still increase slightly as your insurer believes your journeys are more susceptible to accidents.
Do penalty points affect insurance?
Your car insurance will be affected if you have penalty points on your driving license. When taking out a new policy, being honest with the insurer is important. You can expect your insurance premium to increase.
Contact Us
For any enquiries or general queries please contact us
