Top 10 cheapest cars to insure with temporary insurance

Gareth Herincx

1 day ago
Auto News

Ford KA

With the average cost of annual car insurance hitting a record high of £924 last month, more drivers are considering switching to borrowing vehicles instead, claims a leading temporary car insurance provider.

According to Cuvva, UK drivers bought more than 2.5 million short-term policies last year via its app.

Now Cuvva has analysed the one-hour policies sold  (more than 600,000) to uncover which cars are the cheapest to insure for an hour with temporary car insurance.

On average, each of these cars can be insured for less than £13 an hour. And while the Ford Ka comes in as the cheapest car to insure, there are also some larger and more premium cars among the Top 10.

Temporary car insurance lets drivers borrow cars from friends and family quickly and simply, so there’s no need for drivers to own a car in order to drive one. As a separate comprehensive policy, the car owner’s insurance and no claims bonus is protected if something were to happen.

Top 10 cheapest cars to insure with temporary insurance

  1. Ford KA – £12.05/hr
  2. Fiat 500 – £12.15/hr
  3. Mini One – £12.16/hr
  4. Citroen Berlingo – £12.30/hr
  5. Citroen C1 – £12.31/hr
  6. Vauxhall Meriva – £12.36/hr
  7. Kia Sportage – £12.48/hr
  8. Volkswagen Touran – £12.50/hr
  9. Peugeot 107 – £12.53/hr
  10. Mini Cooper – £12.56/hr

“More and more drivers are choosing to borrow cars from friends and family to get around because it’s affordable,” said Darryl Bowman from Cuvva.

“The type of car you choose to drive can make a big difference to the price you pay for your insurance too.”

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Do car mods REALLY increase the cost of insurance?

When we think about car mods, we tend to picture huge spoilers, noisy exhausts and hefty insurance bills, but this doesn’t necessarily need to be the case. There are all kinds of modifications that you can make to your car that can actually help to protect it and keep your insurance costs as low as possible.

In this article, Car Mats UK take a look at the different car mods that you can make, and how they might affect your premiums.

Engine upgrades

For many people, a vehicle mod is the ideal way to give your car the power that you long for. It is possible to make modifications to the engine of your car in order to increase performance, but this can make insurance companies nervous, and a bigger engine means a bigger insurance bill around 70-80% of the time.

Custom car mats

For an insurance company, car modifications run the risk of either causing damage to the car, making you at greater risk of an accident or making your car a target for thieves.

However, some car mods are much simpler than you might think and can actually benefit your car. Custom car mats are one great example of this as they can help to protect the original carpet of your car from wear and tear as well as mould, mildew and bad odours, no matter how you use the vehicle.

Instead of it posing an extra threat to your car, these car mats can actually protect it, and as they are custom made, they will fit perfectly, so you are not likely to see a rise in your insurance premiums.

Exhaust upgrades

The exhaust system can be a popular thing to upgrade as it not only adds to your horsepower, but it can also relieve pressure on the engine. These exhaust modifications are usually quite easy to spot as it tends to make them both bigger and noisier.

Some ‘big bore’ exhausts are now illegal in the UK, and anything that makes the exhaust noisier, such as removing the silencer is a criminal offence. Whilst legal modifications to your exhaust can make your insurance more expensive, illegal mods will invalidate it altogether.

Seat covers

We put our seats through a lot, so seat covers can be a great solution. Whether you want to protect them from a wet dog, a messy toddler or just general wear and tear, your seat covers can ensure they stay looking as good as new – something your insurance company will love. These covers can come in some great designs and can even be personalised, so they can still give you all of the style that you want without adding to your bills.

Body kits

Many mods that are made to cars now involve the use of a body kit of some sort. These either replace the existing bodywork or add to it and can include bigger bumpers or increased rear wings to make the whole thing look sportier. It is important to remember that things like bumpers are made to improve safety and go through rigorous tests to ensure that they meet minimum safety standards. However, many body kits are not made to these same standards, which can mean that the car is less safe, and therefore more of a risk for insurers.

Some body kits add front and side skirts to the car, but as these reduce the amount of ground clearance that is available, they can be extremely hazardous on uneven roads, in crashes or simply mounting a kerb, which also makes insurers twitchy.

Standard policies have been found to increase by 10-15% when bodywork changes are made to a car unless you already have a modified insurance policy. Typical cosmetic changes to a car that can also increase your insurance premiums are flared wings, wheel arches, spoilers and valances.

Boot liners

We spend a lot of time looking after most areas of our cars, but the boot can be a bit forgotten. We throw shopping in there, golf clubs, buggies, shopping and even our pets without giving it much thought, which can lead to scratches, fraying carpet and some pretty scary smells.

Adding a boot liner gives you boot an added layer of padded protection, which is essential when you think about the number of things that we put it through. These boot covers come in a variety of styles and colours, so they can still be reflective of you, but they won’t add a penny to the cost of your insurance.

Custom paint work

Many people like to use their paint work to express their personalities or show off the brand of car that they are driving. Whilst these custom paint jobs are great fun, vinyl wraps, decals, stickers and paint are usually classed as modifications.

This means that additions to your bumpers or racing stripes can invalidate your policy if you have not informed your insurers. If you have modified the appearance of your car in this way, you are likely to see around a 5% rise in prices from your insurers.

It is important to remember that some modifications such as tinted windows, under-car neon lights, and custom LED headlights can also be illegal, and so you should check what you can and can’t do to your car before you undertake any work.

Alloy wheels

Whilst many cars came with steel wheels originally, alloys have become more popular, as their light weight improves the handling of the car. These can often be added to a new car before you even take delivery of it, or you can fit them yourself later. Whilst these will not automatically increase your insurance, you might see a small rise in prices if there have been a lot of alloy thefts in your area.

Car mods are made to improve performance, enhance the look of your car or even protect it, and so not all changes are frowned upon by insurance companies. If you are not sure, it is best to check with your insurers first.

Five most common driving offences revealed

Gareth Herincx

1 day ago
Auto News

Speeding remains the most common offence on British roads with almost 200,000 people caught between January and March this year alone, according to the latest data.

A Freedom of Information request by leading temporary car insurance provider Cuvva to the Driver and Vehicle Licensing Agency (DVLA) highlighted the top five mistakes drivers made in the first quarter of 2023 that resulted in penalty points being added to their licence.

Most drivers issued with penalty points for exceeding the limit on public roads (156,457) were hit with an SP30 offence code – particularly worrying because speed is one of the main factors in fatal road accidents.

After speeding, the next most common offence was driving uninsured. Despite it being a legal requirement, the data shows a staggering 10,286 drivers took to the road without cover (IN10).

If you are caught driving a car uninsured in the UK, you could be faced with a fixed penalty of £300 and six penalty points. If the case goes to court, you could get an unlimited fine or even lose your driving licence.

In some cases, the police have the ability to seize or even destroy the car that is being driven uninsured.

Using a mobile phone at the wheel (CU80) is one of the fastest rising driving offences (35% up on the same period last year). This reflects a crackdown after changes to the Highway Code last year made it illegal to even touch your phone while driving. That includes browsing playlists when queueing in traffic.

The fifth most-common driving offence that led to penalty points was for car owners failing to give information regarding who was driving their car when an offence was committed (MS90).

Five most common road offences

  1. SP30: Exceeding statutory speed limit on a public road – 156,457 drivers
  2. SP50: Exceeding speed on a motorway – 38,386 drivers
  3. IN10: Using a vehicle uninsured against third party risks – 10,286 drivers
  4. CU80: Breach of requirements as to control of the vehicle, such as using a mobile phone – 7,135 drivers
  5. MS90: Failure to give information as to identity of driver etc – 5,224 drivers

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Motorists beware: Check your driving licence

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Motorway traffic

More than one in five UK drivers could face a £1,000 fine for driving with an expired licence, a new study suggests.

Research by the car insurance team at Comparethemarket revealed the lack of awareness among motorists regarding the expiration of their driving licence.

More than one in 10 (11.6%) drivers admit they were unaware that their driving licence has an expiry date.

This knowledge gap is even greater among younger drivers, with one in six 17-34-year-olds admitting they were unaware of this.

Nearly a third (32%) of motorists have driven with an expired licence within the last two to five years.

“It’s concerning that our research shows over one in 10 British motorists are unaware that their driving licence has an expiry date,” said Julie Daniels Comparethemarket.

“Continuing to drive with an expired driving licence – knowingly or unknowingly – could land you with a fine of up to £1,000. To avoid serious consequences by having a fraudulent driving licence, it’s vital to renew your licence as soon as it expires.

“Driving licences expire every 10 years, so you should familiarise yourself with the expiry date on your licence and create a reminder to renew it.

“The DVLA will also send you a reminder when your licence is due to expire, so make sure to keep your contact details up to date.”

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What Is Multi-Vehicle Insurance And When To Consider It

If you have more than one vehicle in your household, multi-vehicle insurance could well be the right choice for you. According to a recent study, eight out of 10 UK drivers own at least two cars. Moreover, research from 2020 found that around 8.8 million UK households had two cars, with figures rising. This same number of households could be benefiting from multi-vehicle insurance each year.

If you’re wondering what multi-vehicle insurance is, how it can benefit you and when to consider it, we’ve laid out all you need to know in this guide.

So, what is multi-vehicle insurance?

Multi-vehicle insurance is (exactly) what it says on the tin: it’s a car insurance policy that provides cover for multiple vehicles rather than just one. This policy allows you to insure up to six cars, to be exact.

Under one single policy, you can cover all your vehicles – like cars, vans and motorcycles – meaning you only have one renewal date and set price to worry about each month or year. And although the vehicles all fall under the same policy, they each have their own level of cover.

Multi-vehicle insurance can be tailored to each of your vehicles. Since this policy allows each vehicle to have its own level of coverage, you have the flexibility to decide things like how much excess you’d like to pay on each vehicle. Each vehicle will also have its own no claim discount (NCD), so the NCD on other vehicles won’t be affected if one of your cars is involved in an accident.

If you want multi-vehicle cover for one specific vehicle type, for example, motorbikes only, you can choose a more specific policy like multi bike insurance options to cover all the motorcycles registered to your address.

How it works

Similar to ordinary car insurance policies, multi-vehicle insurance offers protection for you, your vehicles, and other drivers included in the policy. We’ll break down how it works in more detail.

Just like any other car insurance policy, multi-vehicle cover lasts for one year and can be paid in full or spread into monthly instalments across 12 months, if this is an option with your insurer.

Regardless of who a car or vehicle belongs to, any car that is registered to your address can be insured by multi-vehicle cover. Thus, anyone who lives at your address and owns a vehicle registered to your address can be insured on the same policy. If your household has several registered vehicles within its proximity, this cover can be extremely beneficial, less time-consuming, and potentially cheaper than paying for separate insurance policies.

When should I consider a multi-vehicle insurance policy?

When it comes to insuring your beloved automobiles and vehicles, you’re faced with a myriad of options and add-ons – as well as many factors to consider. If your household has more than one vehicle registered to its address, there is no denying that multi-vehicle cover could be the best option for you.

Of course, if you have two cars, having two separate policies might not be too much hassle – but having multiple vehicles to insure and keeping on top of different payments and renewal dates can become very stressful. Multi-car insurance cover allows you to streamline the insurance process and insure all of your cars under one policy with one fixed price and renewal date. Sounds convenient, right?

You should opt for multi-vehicle insurance if you want the most convenient way of insuring multiple vehicles registered to your address. Who wouldn’t love to have their entire household covered under one policy? As well as this, your insurance could end up being cheaper when you choose this cover as opposed to setting up a separate insurance policy for each vehicle registered to your address.

It could be worth comparing the price of insuring all your vehicles individually with the best quote you find to insure all your vehicles under a multi-car insurance policy.

Who is eligible for multi-vehicle insurance?

Anybody who lives in the same household as you is eligible for multi-vehicle insurance coverage – they don’t have to be family. If you live with a friend or partner, multi-vehicle insurance can provide insurance coverage for both of you. This benefits families and couples with more than one car or driver in their household.

Together, you could save money, save time, and enjoy a stress-free approach to insuring your vehicles in one policy. If you’re unsure of your eligibility for this type of insurance policy, check with credible insurers online or look for a quote.