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Can you insure your vehicle without paying anything in advance?

Although no, zero, nil deposit car insurance doesn't really exist (a small sum, at least, has to be paid in advance; otherwise, your cover simply wouldn't be legal) there are ways around this; There are ways of buying a policy even if you cannot afford the premium, or even a part payment. To find out how see the FAQ (frequently asked Questions)or click here for more information about no deposit car insurance



What about low deposits?

Whilst buying a policy without paying out anything in advance is not possible for most motorists, low upfront payments are common. Car insurers recognise that monthly repayments suit the budgets of many drivers, so plans with repayments spread over up to 12 months, with fairly low initial payments, are common. However those looking for the cheapest possible quotes often find that the larger the sum they put down, the cheaper the quote.



What does it cost?

All, or nearly all, insurers charge extra for those who do not pay the full premium in advance. This is generally accepted to be about 11% of the total price, although this can vary considerably.

Also: some of the cheaper companies don't offer month – to – month payments. This means that you may miss out on the best bargains.



How do I find cheaper quotes?

You may be able to save a great deal of money by comparing multiple quotes, from up to 100 or more insurers, most of which offer monthly payments. Some of these will even provide easy terms for drivers with poor credit.

Getting a quote will only take you a few minutes and will place you under no obligation whatsoever, so why not get one now. It could save you a great deal of money!



How much would I have to pay upfront?

It depends on your age and experience. We got quotes for a typical driver using four comparison sites and looked for the lowest upfront payments. We then repeated this for the same driver, but with different ages and lengths of experience. See the results below:




Lowest deposits for our typical driver.
See the full results here!




Aged 20 with two years' experience

£199

Aged 25 with two years' experience

£150

Aged 30 with two years' experience

£137

Aged 35 with two years' experience

£129

Aged 40 with two years' experience

£125

Aged 45 with two years' experience

£118

Aged 50 with two years' experience

£52

Aged 55 with two years' experience

£50

Aged 60 with two years' experience

£48

Aged 65 with two years' experience

£51

Aged 70 with two years' experience

£57

Aged 75 with two years' experience

£75





Aged 25 with five years' experience

£119

Aged 30 with five years' experience

£97

Aged 35 with five years' experience

£55

Aged 40 with five years' experience

£52

Aged 45 with five years' experience

£43

Aged 50 with five years' experience

£41

Aged 55 with five years' experience

£41

Aged 60 with five years' experience

£40

Aged 65 with five years' experience

£39

Aged 70 with five years' experience

£49

Aged 75 with five years' experience

£59





Aged 30 with ten years' experience

£61

Aged 35 with ten years' experience

£73

Aged 40 with ten years' experience

£76

Aged 45 with ten years' experience

£58

Aged 50 with ten years' experience

£35

Aged 55 with ten years' experience

£32

Aged 60 with ten years' experience

£31

Aged 65 with ten years' experience

£31

Aged 70 with ten years' experience

£36

Aged 75 with ten years' experience

£44


Frequently asked questions




Is there any way I can REALLY get a policy without paying anything upfront?

Here's ANOTHER way!

Does paying monthly cost more?

How much will I have to pay in advance?

Will I have to enter into a credit agreement?

I have poor credit. Does that mean I won't qualify?

How long will I have to pay the balance?

Will this affect my credit score?

Will I still accumulate a no-claims bonus?

Could I cancel the policy before the end of the year?

Can I cancel the policy after an accident?

So what's the secret you've kept until last?





Click here to compare cheap quotes!



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