Car insurance deals are a legal requirement for drivers in the UK, but they can be expensive. Fortunately, there are many fully funded car insurance deals available that can help you save money on your premiums. These deals offer full coverage, but without the need for a large upfront payment or excess. In this guide, we’ll explore 25 different fully funded car insurance deals available in the UK, from multi-car insurance to telematics insurance and more. By understanding your options and shopping around, you can find a car insurance policy that meets your needs and budget.
Free Insurance Offer:
Many car manufacturers offer free insurance as part of their new car deals. For example, Fiat, Peugeot, and Citroen all offer free insurance for drivers aged 18 and over when they purchase a new car. This can be a great option if you’re in the market for a new car and want to save on insurance costs.
Black Box Insurance:
Black box insurance, also known as telematics insurance, involves fitting a small device to your car that monitors your driving habits. If you’re a safe driver, you could benefit from lower insurance premiums. Some insurers, such as Insure the Box, offer free black box insurance deals for young drivers.
Multi-Car Insurance:
If you have more than one car in your household, you could save money by taking out a multi-car insurance policy. Some insurers, such as Admiral, offer free insurance for one car when you take out a multi-car policy.
Pay-Per-Mile Insurance:
Pay-per-mile insurance is a relatively new concept in the UK, but it’s becoming increasingly popular. With this type of insurance, you only pay for the miles you drive. Some insurers, such as By Miles, offer fully funded car insurance deals for low-mileage drivers.
Compare Deals:
Finally, it’s always a good idea to compare insurance deals from different providers to make sure you’re getting the best deal. Comparison websites like GoCompare, Compare the Market, and Confused.com can help you find fully funded car insurance deals that suit your needs and budget.
Student Car Insurance:
Many insurers offer discounted or free car insurance for students. For example, Endsleigh offers free car insurance for the first six months of your policy if you’re a student and have a good driving record.
NHS Car Insurance:
If you work for the NHS, you could be eligible for discounted or fully funded car insurance deals. Some insurers, such as Admiral, offer NHS staff exclusive discounts on their car insurance policies.
Cashback Deals:
Some insurers offer cashback deals when you take out a car insurance policy with them. For example, Aviva offers up to £80 cashback when you buy a car insurance policy online.
Loyalty Discounts:
If you’ve been with the same insurer for a number of years, you could be eligible for loyalty discounts on your car insurance. It’s always worth checking with your insurer to see if they offer any loyalty discounts or rewards.
Group Insurance:
Some employers or membership organizations offer group car insurance schemes that can offer discounted or fully funded car insurance deals. For example, some trade unions and professional bodies offer group car insurance schemes for their members.
Family Car Insurance:
Age-Based Discounts:
Some insurers offer fully funded car insurance deals for drivers of certain ages. For example, some insurers offer free car insurance for drivers over the age of 50 who have a good driving record.
Defensive Driving Courses:
Completing a defensive driving course can make you a safer driver and could also lead to lower insurance premiums. Some insurers offer fully funded car insurance deals if you complete a recognized defensive driving course.
Electric Car Insurance:
If you drive an electric car, you could be eligible for discounted or fully funded car insurance deals. Some insurers, such as LV=, offer discounts on car insurance for electric and hybrid car drivers.
Low-Income Car Insurance:
If you’re on a low income, you may be eligible for discounted or fully funded car insurance deals. Some insurers, such as Marmalade, offer low-income car insurance policies with flexible payment options.
Cashless Car Insurance:
Breakdown Cover:
Some insurers offer fully funded car insurance deals that include breakdown cover. This means you’ll be covered if your car breaks down while you’re on the road. Some insurers, such as Green Flag, offer free breakdown cover for the first year of your policy.
No Claims Discount Protection:
If you have a good driving record, you may be eligible for a no-claims discount on your car insurance. Some insurers offer fully funded CID that include no-claims discount protection, which means you won’t lose your discount if you make a claim.
Modified Car Insurance:
If you’ve modified your car, you may be able to find a fully funded CID that covers your modified vehicle. Some insurers specialize in modified car insurance, such as Adrian Flux.
Personal Injury Cover:
Some fully funded CIDs may include personal injury cover, which provides financial support if you’re injured in a car accident. Make sure you understand the level of personal injury coverage included in your policy and whether it meets your needs.
Young driver’s cheapest cars insurance deals in the UK
Multi-Car Insurance Deals:
If you have more than one car, you could save money by taking out a multi-car insurance policy. Some insurers offer fully funded multi-CID, which can provide significant savings compared to taking out separate policies for each car.
Telematics Car Insurance Deals:
Telematics or “black box” insurance policies use data from a device installed in your car to monitor your driving habits. If you’re a safe driver, you could be eligible for discounted or fully funded car insurance deals. Some insurers, such as Ingenue, specialize in telematics insurance for young drivers.
Pay-As-You-Go Car Insurance Deals:
Pay-as-you-go car insurance policies charge you based on how much you drive. If you don’t drive much, this could be a cost-effective option for you. Some insurers, such as By Miles, offer fully funded pay-as-you-go car insurance policies.
Women’s Car Insurance Deals:
Some insurers offer fully funded CID exclusively for women. These policies may include additional benefits, such as personal accident cover or child seat replacement. Sheila’s Wheels is a popular insurer that offers car insurance for women.
Green Car Insurance Deals:
If you’re environmentally conscious, you may be interested in fully funded CIDs that support eco-friendly initiatives. Some insurers, such as Co-op Insurance, offer car insurance policies that are carbon neutral and support sustainable energy projects.
