Car Insurance
personalCompulsory third-party liability cover and optional comprehensive protection for your car. Available as third party only, third party fire and theft, or comprehensive.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£350 – £2,500per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Third-party liability (mandatory — injury/damage to others)
- ✓Fire and theft (TPFT and comprehensive)
- ✓Accidental damage to own vehicle (comprehensive)
- ✓Personal accident benefit
- ✓Legal expenses
- ✓Optional: breakdown cover
- ✓Optional: key cover
Key Exclusions
- ✕Driving without a valid licence
- ✕Use outside permitted purposes (e.g., using social cover for courier delivery)
- ✕Driver under influence of alcohol or drugs
- ✕Mechanical breakdown
How to Make a Claim
- 1
Gather all details at the scene (third party details, photos, witnesses)
- 2
Report to insurer within 24–48 hours regardless of fault
- 3
Insurer arranges repair via approved repairer or cash settlement
- 4
Dispute liability through insurer's legal team if contested
Available In
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Get a Free QuoteFrequently Asked Questions
What is the minimum car insurance required in the UK?
Third-party only (TPO) is the legal minimum in the UK. It covers injury or damage you cause to others and their property, but nothing for your own vehicle. Comprehensive cover includes TPO plus damage to your own car.