Ford Car Insurance
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Click through on the ‘Get a Quote’ button above to compare Ford car insurance quotes from leading UK motor insurers, and obtain the most suitable cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
4 Ford Car Insurance FAQs
1. What type of car insurance cover do I need for my Ford?
In the UK, you can choose between: Third Party Only – legal minimum, covers damage to others only. Third Party, Fire & Theft – adds cover if your Ford is stolen or damaged by fire. Comprehensive – covers your Ford as well as others’ vehicles and property. Most Ford owners choose comprehensive cover, especially for newer models like the Fiesta, Focus, Puma, or Kuga, as it often includes extras like windscreen cover and vandalism.
2. Will modifications to my Ford affect my insurance?
Yes. Any modification must be declared, including: Alloy wheels; Body kits or spoilers; Performance upgrades; Infotainment or sound systems. Undeclared mods can invalidate your policy. Some insurers are modification-friendly, especially for popular Ford models, so it’s worth shopping around.
3. How can I reduce the cost of insuring my Ford?
Common ways UK drivers lower premiums include: Building or protecting No Claims Discount (NCD); Adding a more experienced named driver; Choosing a higher voluntary excess; Parking off-street or in a garage; Using a black box / telematics policy (popular for younger Ford drivers). Even comprehensive cover can sometimes be cheaper than third-party.
4. Does my policy cover breakdowns, repairs, and courtesy cars?
Not always — these are often optional extras: Breakdown cover (UK or Europe); Courtesy car while yours is being repaired; Guaranteed repairs using approved Ford or insurer garages; Windscreen cover (often included in comprehensive). Always check the policy wording, especially if you rely on your car daily.
Insuring a Ford vehicle in the UK involves understanding how your specific model influences premium costs, coverage needs, and risk profiles. Ford is one of the most recognised brands on British roads, with millions of vehicles registered here over many decades, and its range includes everything from compact city cars to electric SUVs and family MPVs.
One thing to note is that some classic or discontinued Ford models still appear across UK roads, but your insurance quote will largely depend on the current models still actively sold and supported in the UK market. Modern Ford vehicles come with a range of engine types — petrol, diesel, mild-hybrid, plug-in hybrid, and full electric — and each of these can affect premiums differently. Newer electric and hybrid cars, for example, usually cost more to repair due to specialised parts, though government incentives and lower running costs can balance this out. Comprehensive cover is typically recommended for newer Ford models, especially if you have finance on the vehicle.
Ford’s active range in the UK covers a variety of segments, giving buyers a wide choice of style, size, and powertrain. Below is a list of Ford models currently available in the UK, from small SUVs to full electric cars and people carriers:
Compact SUVs and small cars
Ford Puma Gen-E – Fully electric crossover SUV, one of Ford’s newest electric models, and eligible for UK EV incentives.
Ford Puma – Mild-hybrid compact SUV that has been one of the UK’s best-selling cars in recent years.
Electric and performance electric vehicles
Ford Mustang Mach-E – All-electric SUV with impressive range and performance, slotting into the premium EV segment.
Mainstream family cars and crossovers
Ford Focus – Historically a staple family hatchback (note: production ended recently, but it may still be available in some new-car stock or second-hand market).
Ford Kuga – Mid-size SUV available with petrol, hybrid or plug-in hybrid powertrains — a popular choice for families.
Ford UK
People carriers and MPVs
Ford Tourneo Connect – Practical MPV/van-style vehicle suitable for families and businesses.
Ford Tourneo Courier / E-Tourneo Courier – Compact people carrier available in electric form (E-Tourneo Courier) and petrol, a versatile option for families.
Other models mentioned on Ford UK sites
Ford Explorer – Electric vehicle offering more space and range, becoming part of Ford’s electrified lineup.
Ford All-Electric Capri – Electric crossover based on modern EV platforms, adding diversity to Ford’s EV range.
This list reflects the models actively offered by Ford UK at present — it does not cover older classics or vehicles that are no longer sold new (for example, the Ford Fiesta, Mondeo, Galaxy, or Escort), though many remain popular on UK roads and influence residual values and insurance statistics.
When you insure one of these Ford vehicles, insurers will consider several factors linked to the model: its engine type, market value, repair costs, security features, and even accident history data. For instance, electric Fords like the Mustang Mach-E and Puma Gen-E might attract higher premiums due to battery repair costs, but could benefit from lower theft risk and UK EV incentives. Likewise, SUVs like the Kuga often sit in higher insurance groups due to their size and retail price.
In summary, understanding which Ford model you drive — and its specific variant — is key to finding the right UK car insurance policy. Choosing comprehensive cover and declaring all vehicle details accurately will help you get fairer pricing and avoid issues with claims in future. If you share your exact Ford model and year, I can help you assess typical insurance group levels and tips to reduce your premium.
