★ Save up to 45% on UK Car Insurance with Car Insurance Direct

Save on UK motor insurance with names and products such as: ★ Lloyds TSB Car Insurance, ★ Asda Car Insurance, ★ Post Office Car Insurance, ★ RAC Car Insurance, ★ AA Car Insurance, ★ AA European Breakdown Cover ★ Car Insurance for Women ... and more.

Choosing the right Car Insurance

Car insurance, much like anything else, comes in all shapes and sizes, and it's important to ensure you choose the right motor insurance for your vehicle; choosing your car insurance carelessly is a decision you might come to regret.

In fact, according to the Automobile Association, 88% of new AA car insurance customers, taking part in a recent study found their AA car insurance premium was less expensive than the price quoted by their previous motor insurance provider. Of course, cheap doesn't necessarily mean good, and it's no good having a £5 a year car insurance policy if it never actually covers you for anything worth being covered for.

That's why, after a lot of research and obtaining car insurance quotes from dozens of online - and offline - sources, we recommend UK motor insurance only from the following websites:

Sure, it's easy to find a cheap insurance quote and purchase your car insurance online, but it's really not of much benefit if, when you really need it - after an accident, for example - you phone your car insurance company and they tell you that you're only covered for the first so many miles, or that your motor insurance doesn't cover you for a particular type of accident; believe it or not, there are many car insurance policies just like that. They look great at the time, and maybe right now even you have had the same policy for a year or two, but when it comes to the crunch (possibly literally) you may well find your car insurance company lacking.

Choosing the right Car Insurance is time consuming ...

If you had to individually check each car insurance company for a free quote, in order to find the best car insurance prices, then you'd probably need to take a few days off work to get the quotes, and then hunker down for another few days to study all the information. It's time consuming, right? But you don't have time for all of that, and so you just send in your renewal form from last year for the same car insurance (just because it's easier than finding another car insurance company) or just click on the first car insurance link that you find on the web because it looks like a good deal (forgetting to realise, of course, that they don't tell you all the things the policy lacks) ...

It's definitely a problem for many people, and that's why, at Car Insurance Direct, we have taken the time to review UK car insurance companies, and their motor insurance policies, in detail. The result is clear, and is what has been obvious to many people for a long time; and that is that many car insurance companies simply do not provide good value for money. It simply isn't right that you can end up in any accident that is not your fault, and yet still end up out-of-pocket because of someone else's carelessness; it's also not right that some car insurance companies - even when your claim is valid, and the insurance company has accepted they are liable - you're then waiting for months on end for your cheque ... and the list goes on. So remember, your car insurance company may often tout some big saving or other, but will rarely be so forthcoming with the limitations of their motor insurance policies. The same is also true for van insurance and motorcycle insurance plans.

Choosing Car Insurance with Car Insurance Direct

So, rather than spending time and wasting money on car insurance that doesn't provide good insurance coverage, and doesn't put your best interests first, we're sure you'd agree that it makes a lot more sense to choose to buy from a car insurance company that comes pre-approved, researched, and one that does put your car and your wallet first. The companies we recommend are on our list of approved car insurance companies for just one good reason. Because they're good. Although some of the companies we recommend are probably not the first names that spring to mind when researching car insurance, they are, nonetheless, companies that offer all types of car insurance (including van insurance and motorcycle insurance), with above-average service, above-average coverage and benefits, but with below-average prices. We think that these criteria alone make these companies worthy of our Car Insurance Direct approved car insurance list.

We Recommend ...

So, you've already spent more time than you intended to researching motor insurance, and now it's time to choose. Here are the steps we recommend, along with our list of preferred car insurance companies:

• • First, bookmark this page, so you can easily find the list of recommended insurance companies again

  • Secondly, visit as many of the five companies we recommend as you can

  • Choose the insurance cover you need, whether it is Fully Comprehensive, Third Party only or Fire & Theft protection

  • At each of the sites, request your free car insurance quote, and save the quote

  • After visiting all five sites, and getting insurance quotes from each, simply go with the one that best suits your needs

... and, after that, we hope you'll recommend this page to someone else who you'd like to save money on car insurance.

Car Insurance Direct, Recommended Car Insurance Providers

Remember, these are companies that are pre-researched; we've already done the hard work so that you don't have to. However, definitely check the policies as thoroughly as you want to with each of the companies, but we're confident that, when you purchase car insurance from any one of our recommended list of motor insurance companies, you'll not be disappointed.

Car Insurance Benefits and Features

Here are just some of the features and benefits you'll find with the car insurance providers we have recommended:

* A dedicated UK claimline that is available 24-hours a day, 365 days a year

* Save time with quick and secure online motor insurance quotes

* A courtesy car while your car is being repaired by an approved repairer

* Windscreen and window repairs with no loss of your no-claims discount

* Fast, friendly, expert claims service

* Generous No Claims Discount

* Save on your car insurance by including RAC breakdown service

* Easy monthly payments option

* Optional breakdown cover

* Personal accident cover up to £7,500

* Medical expenses up to £300 per person (£400 if you're an AA member)

* 35% discount off AA Breakdown Cover when you buy with AA car insurance online

* Assistance with overnight accommodation or onward transport following an accident

* Hire car option, should the worst happen, and you become stranded

* Show you car insurance policy features and benefits before you get a quote, so you know what cover you'll get

* Get the best possible car insurance quote from a panel of leading insurers

* Choice of cover, between fully comprehensive or third-party fire and theft

* Get fully comprehensive cover with a truly comprehensive range of policy features and benefits

* Get the best price from dozens of top insurers with a single click

* Quality car insurance you can rely on

Other Car Insurance Providers

There are, of course, dozens of other car insurance providers (many of them listed below), and these are all the companies that you would otherwise have needed to navigate had you wanted to do all the research yourself. However, our five recommended car insurance providers automatically search dozens of these motor insurance firms to try and obtain the best quote for you.

So, by taking the time to try and ensure that the five Car Insurance Direct "Top 5" companies search as many of these companies as possible, we have not only chosen the best insurance companies for you, but also eliminated the need for you to even visit the others.

Motor Insurance or Car Insurance ...

Buying insurance can be confusing enough on its own, but let's set one thing straight, and remove at least one confusion. Almost in every instance that you read the term "motor insurance" you can substitute the term "car insurance"; they are, effectively, the same thing. However, in a more general sense, the term motor insurance might be used to include other types of insurance, such as van insurance, commercial vehicle insurance, or motorcycle insurance as well as car insurance. Meanwhile, the term car insurance obviously means just that. However, on saying that, most car insurance companies that provide car insurance, generally provide the other types of insurance too, with the possible exception of commercial vehicle insurance, where it may be necessary to seek a dedicated commercial vehicle insurer. Even so, many UK insurance companies, including some of those on our Car Insurance Direct list, do offer vehicle insurance for the self-employed, etc, or small businesses, such as plumbers, landscape gardeners, and other service professionals.

Car Insurance or Car Assurance ...

This one is easy. It's always called "car insurance" as opposed to being called car assurance. It's easy for some people to confuse the terms though, and especially since many insurance companies do also sell assurance products. However, when referring to assurance, in relation to finance and insurance, then the reference is usually related to life assurance, which is a product many insurance companies offer (besides life insurance, which is another type of product they offer). Nonetheless, for "car assurance" you should instead refer to "car insurance".

Fully Comprehensive, Third Party only or Fire & Theft protection?

The question of whether to choose fully comprehensive car insurance, third party only car insurance, fire & theft car insurance, or third party fire and theft insurance, is more tricky. It also depends on a variety of criteria. Firstly, it depends on what you can afford; if you can only afford third party vehicle insurance, then there's no point in pondering whether you should be getting fully comprehensive vehicle insurance. However, as you might expect, fully comprehensive motor insurance covers you for a whole lot more than simply fire & theft insurance (which covers exactly what it suggests - fire which damages your vehicle, and the theft of your vehicle). Most people that obtain third-party vehicle insurance also obtain fire & theft insurance within the same policy, and that's why you hear people often referring to "third-party, fire and theft;" however, with most types of third-party insurance, you're covered only for accidents which someone else causes; if you should happen to cause an accident yourself, and you don't have fully-comprehensive insurance, then you could be looking at huge bills (not just for your vehicle, and the other person's vehicle, but if they decided to sue you for damages, then ... well, you get the picture).

So, in general, if you can afford to buy fully-comprehensive coverage, then it's almost always a good idea to do so. Some insurance companies, including those we list, allow payment of your car insurance premiums in installments, and so, even if you may not be able to afford to pay for your entire year's premiums all at once, you may be able to pay monthly, in which case you may well be able to afford fully-comprehensive car insurance.

The Bottom Line ...

The bottom line is that obtaining car insurance can be time consuming, and complex. However, having taken the time to research dozens of different vehicle insurance policies, from dozens of motor insurance companies, we have whittled down our list of approved car insurance companies to just five.

While not neccesarily best-known for car insurance, these companies, with their comprehensive policies, affordable pricing, excellent customer service, and their proven ability to deliver, have shown that they merit their place on the Car Insurance Direct Top 5, and we highly recommend each of these companies to you for your next car insurance policy: