Car Insurance Renewal (UK)

If your car insurance renewal is coming up, it's a good time to review your cover and compare options. Renewal quotes and prices can change year to year, so comparing based on your details can help you understand what is available before you renew.

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What you'll need to start a quote

✓Current insurer and renewal price (if you have it)
✓Vehicle registration (or make/model)
✓UK postcode
✓Approx annual mileage

Who this page is for

This page is for UK drivers who:

have a renewal date coming up
have received a renewal quote and want to sense-check it
want to check cover details and excess before renewing
are considering paying annually or monthly

If you are starting a brand new car insurance policy at any time of year, you can still compare quotes. Renewal is simply a common moment when people reassess. Drivers aged 50 or above may also want to review our over-50s car insurance page for age-related considerations at renewal. If you insure multiple vehicles, consider multi-car insurance options when renewing.

When should you compare for a renewal?

Many drivers compare before renewal once they have their renewal documents and price. Some people compare earlier so they have time to review options and make changes if needed.

The best timing depends on your circumstances and the insurer's process, but giving yourself a bit of breathing room can help you avoid rushed decisions.

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What to check on your renewal quote

Before renewing, it can help to review:

whether your personal details and mileage are still accurate
whether your address or parking situation has changed
cover level, excess and any optional extras (consider excess cover if you want protection against excess costs)
who is listed as the main and named drivers
any changes to terms compared with last year

If something has changed since you last took out the policy, updating details matters. Incorrect information can cause problems later.

Practical tips at renewal

Compare like-for-like cover so you can judge properly
Check the total cost, not only the monthly figure
If you pay monthly, review how payments are arranged and any additional costs
Keep details accurate, especially mileage and driver history
If you have a no claims bonus (NCB), make sure it's reflected correctly

FAQs: Car insurance renewal (UK)

Do I have to renew with my current insurer?

No. You can compare options and choose a different provider if you want, as long as you remain insured.

Will my renewal always be cheaper if I compare?

Not necessarily. Prices can vary by provider and by your details, and can change year to year.

When should I start looking before renewal?

Many drivers compare once they have their renewal price, but some start earlier to give themselves time to review options.

Can I pay monthly at renewal?

Often yes, depending on the provider and payment setup. Monthly payments can sometimes cost more overall.

What details should I double-check before renewing?

Common ones include mileage, address, where the car is kept overnight, drivers listed, cover level and excess.

Will my no claims bonus affect renewal price?

It can. No claims bonus rules vary by provider, so it's important the information is correct.

Ready to compare before you renew?

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 car insurance renewal and what to check when comparing options. It is reviewed for clarity and updated as provider criteria and guidance change.

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.