Car Insurance for Leased Cars (UK) — Compare Quotes in Minutes

If you're leasing a car, you still need insurance in your name as the main driver (unless your lease agreement says otherwise). The key is making sure the policy details match how the car is used and any requirements in your lease agreement.

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What you'll need to start a quote

•Vehicle registration (or make/model)
•UK postcode
•Approx annual mileage (and expected lease mileage allowance if known)
•Where the car is kept overnight

Who this page is for

This page is for UK drivers who:

are leasing a car (for example via personal contract hire)
want to compare insurance quickly
want to understand what to check when insuring a leased vehicle
want to avoid common mistakes with registered keeper/ownership details

Does leasing a car change your insurance?

Leasing doesn't usually change the basics of car insurance, but it can affect what you need to check.

For example:

the registered keeper and legal owner may be different
the lease agreement may include insurance requirements (varies by provider)
mileage and usage details still need to be accurate

When you compare quotes, answer the ownership/keeper questions honestly based on your documents.

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What can affect the price of insurance on a leased car?

Quotes can vary based on:

the make/model and insurance group
vehicle value and repair costs
your postcode and where the car is kept overnight
annual mileage and usage (social/commuting/business)
cover level and excess
claims history, points, and convictions (your no claims bonus (NCB) can help)

Different insurers can price the same car differently, so comparing can help.

Practical tips for insuring a leased car

Use the exact registration/make/model for accuracy
Be clear who is the registered keeper and who owns the vehicle (as shown on documents)
Keep mileage realistic (don't understate it to reduce the quote)
Review the cover breakdown, excess, and exclusions
If you want to pay monthly, check the total cost and payment breakdown

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FAQs: leased car insurance (UK)

Do I need fully comprehensive insurance for a leased car?

Some lease agreements may require comprehensive cover, but requirements vary. Check your lease agreement and compare cover types during the quote journey.

Who is the owner of a leased car?

Often the leasing company is the legal owner, while you may be the registered keeper. Always use the details shown on your paperwork.

Does leasing make insurance more expensive?

Not necessarily. Pricing depends on the car model, your details, and the insurer. Comparing quotes is usually the quickest way to see options.

Can I add a named driver on a leased car policy?

Often yes, depending on the insurer and policy terms. Make sure details are accurate.

Does mileage matter more with a lease?

Mileage is important for insurance pricing and for lease terms. Keep your insurance mileage estimate realistic and truthful.

Will paying monthly cost more overall?

It can. Monthly payments may include additional costs depending on the provider and payment arrangement.

What details do I need to compare quotes?

Typically your vehicle details, postcode, mileage, usage type, and driver history.

What's the fastest way to check options?

Start a quote journey with accurate details and compare total cost and cover breakdown.

Ready to compare leased car insurance?

Start your quote online now and view options available from UK providers.

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How we created this page (transparency)

This page was created to help UK drivers understand leased car insurance considerations and what to check when comparing options. It is reviewed for clarity and updated as needed to stay accurate and useful.

Important information

MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice.