Car insurance: what to sort before you buy
Last updated: 19 June 2026
Insurance cost can make or break a used car deal. Here's how to estimate premiums, arrange cover for the drive home, and avoid surprises.
Insurance is part of the price
Two similar cars can cost very different amounts to insure. Always get a quote before you buy — a cheap car with a high premium may cost more overall than a pricier, cheaper-to-insure one.
1. Get quotes before committing
Run quotes for the exact model, version and engine you are considering. Insurance groups vary by power, repair cost and theft risk, sometimes dramatically within the same model range.
2. Understand what drives the premium
Your age and history, where you park, annual mileage, the car's value and power, and its security all affect the price. Performance versions and large engines usually cost much more.
3. Choose the right level of cover
Comprehensive cover protects your own car too; third-party is cheaper but pays only for others' damage. On an older, low-value car, full cover may not be worth it.
4. Arrange cover for the drive home
You must be insured the moment you drive away. Set up a policy or temporary cover to start on collection day so you are never driving uninsured.
5. Watch for cost multipliers
Modifications, a salvage/repaired title, or imported status can raise premiums or require specialist insurers. Factor this in before you buy such a car.
6. Keep the total cost in view
Budget for insurance, fuel/charging, tax, servicing and tyres — not just the purchase. A CarGuard AI inspection helps confirm the car's condition so your running-cost estimate is realistic.