No Frills – Simple Car Insurance | Save up to £518*
With a Simple car insurance policy you can choose a no extras and no frills car insurance policy at a great low price. Cover that’s got all the essentials you need, and importantly is flexible to meet your needs. This type of policy is sometimes described as basic or no frills policy.
Compare 130+ providers and save up to £518*
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*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Click through on the ‘Get a Quote’ button above to compare simple car insurance quotes from over 130 of the leading UK motor insurers, and obtain the most suitable basic 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.
Top 6 Simple Car Insurance FAQs
What is car insurance and is it legally required in the UK?
Yes. At minimum, third party car insurance is a legal requirement in the UK to cover injury or damage you cause to others.
What are the main types of car insurance?
Third Party Only – Covers damage/injury to others, Third Party, Fire & Theft – Adds cover for fire and theft of your car, Comprehensive – Covers your car as well as others (often best value),
What affects the cost of car insurance?
Factors include your age, driving history, postcode, vehicle type, annual mileage, no-claims bonus, and how the car is used.
What is a No Claims Bonus (NCB)?
A discount earned for each year you don’t make a claim. It can significantly reduce your premium and is often transferable between insurers.
Can I drive someone else’s car on my insurance?
Sometimes. Some comprehensive policies include Driving Other Cars (DOC) cover, but it’s usually third-party only and not guaranteed—always check your policy.
What should I do after a car accident?
Stop safely and exchange details; Take photos if possible; Report the incident to your insurer (even if you don’t claim); Inform the police if required (e.g. injuries or failure to exchange details).
Be sure to assess your actual driver and vehicle requirements before embarking on a new simple cover policy. The last thing you would desire is to have an unforeseen accident or problem with your vehicle and discover, when it’s too late that your car insurance policy does not cover you!
However on the upside with simple cover, you can be sure you have just the right features you need with no unnecessary, and sometimes costly frills. In summary you can get all the benefits without all the fuss. And if you ever need to make a claim, you’ll have access to your chosen insurers customer service teams. So why is a Simple car insurance policy with no frills attached right for you?
• Comprehensive and third party cover
• Tailor your policy online, so you only buy the cover you want
• Available to buy online, passing the savings on to you the customer
Simple car insurance cover from is often aimed at consumers who regularly use the Internet and who understand the potential savings to be made from buying online. There are of course any number of additional elements which you can always add-on to your policy to increase your basic coverage levels. We have listed some of the most popular optional extras below:
• Breakdown Recovery Insurance
• Cover When Travelling in EU Countries
• Adding an Additional Driver
• Motor Legal Protection
• Personal Accident Cover
• Protected No Claims Discount (NCD)
• Payment Protection
• Hire Car Cover
