Unite Car Insurance Comparison

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Compare Unite Car Insurance Quotes

Compare quotes online with the Unite Car Insurance Comparison website.

Whether you’re looking to beat your current provider’s renewal quote or you want to insure a new vehicle, simply click the “Get a Quote” button, enter your details and within 5 minutes, you’ll be able to:

                 

 

PLUS don't miss out on our Price Match Guarantee - if you find a cheaper car insurance quote online, simply call 0330 022 4113 and we guarantee to beat it! (see the Price Guarantee T&Cs tab below for more information)

 

  • Unite Car Insurance Comparison

    Ultimately car insurance is more than just a legal requirement - there's a certain peace of mind that comes with knowing that you, your vehicle and the people who use it are going to be protected financially whatever the road ahead holds.

    However "the mistake most drivers make is failing to shop around for the best premium and simply accepting an insurer's renewal quote, which is likely to be much higher" (This is Money).

    And that's where being part of the Unite family can pay off. UniteProtect has launched a new Unite Car Insurance Comparison website for Unite members to help members save money and find the right insurance.

    So whether you’ve had a past driving conviction or have an older car, we’ll help you find a policy that meets your requirements.

    Simply enter your details and the www.UniteCar.co.uk website will compare quotes from up to 60 insurance brands to get the best deals for you! Or if you'd prefer to get a compare quotes over the phone, please call 0330 022 4113.

    Plus, buy with confidence knowing that the service is Unite approved.

    UK based call centre open 8.30am to 5pm Monday to Friday. Calls to 0330 numbers cost no more than a national rate call to an 01 or 02 number and will count towards any free minutes you may have on your phone contract. Check with your network provider for full details of your service.

    Unite the Union is an Introducer Appointed Representative of UniteProtect, a trading name of Union Income Benefit Holdings Ltd (FRN 307575). UniteProtect is an introducer for Vast Visibility Limited, who administer the UniteProtect Car Insurance website and are authorised and regulated by the Financial Conduct Authority to distribute general insurance products under firm reference number 566973.

  • Price Match Guarantee - T&Cs

    Price Match Guarantee Terms and Conditions:

    This offer is to beat your cheapest online car insurance quote. The guarantee only applies to annual policies and to the basic policy price only. This offer excludes telephone quotations and only applies to permanent residents in the UK. We reserve the right to request proof of, and validate, alternate quotes as well as proof of the information you provided to obtain the quotes (e.g. copy of driving licence or utility bill) before our guarantee is honoured. In the event that we still cannot match your alternate quotes, then we will send you a cash reward. This offer can be withdrawn at any time.

  • Customer Testimonials

    at our customers had to say:

    "I bought a new car & my insurer increased my price to £146.40. So I shopped around. I got the best price on here at £71.14. I just cancelled my existing & took out the new one." Joe from Leeds

    "Absolutely chuffed with the price. My premium increased from £291.42 to £525.36, but I just got a quote on Unite Car for £240.86. I can’t believe I’m actually saving on my old premium." Helen from Kent

    "I recently saved over £75 buying car insurance through the UniteCar website. I could have saved even more money but decided to buy a better policy with a courtesy car and lower excess in case we have an accident. I am really pleased to save some money." Sarah from Lingfield

    Here's how much customers have saved on their car insurance renewal:

    February 2021

    David from Norwich saved £80
    Jacqueline from Southampton saved £40
    Jugraj from Birmingham saved £600
    Denis from Minehead saved £200
    Thierry from Bradford saved £300
    Alia from Edinburgh saved £50


  • Save Money On Your Car Insurance

    If one of your resolutions for the dawn of the bright new decade is to take better stock of your finances, getting on top of your car insurance is a great place to start.
    With the average price of a comprehensive policy coming in at £815, according to the most recent Confused.com figures , getting covered can put a lot of pressure on the purse strings. And as it’s a legal requirement, there’s not a lot of leeway to wriggle out of paying. Fortunately, there are plenty of ways to shave money off your policy. Even small savings can add up over the course of a year.
    Check out our six tips for a better idea of how to make your money go further:

    1) Pick the right job title

    It seems such an insignificant detail, but what you do for a living can impact on how much you pay for your car cover. This is because some professions are deemed a higher insurance risk than others. If your job title offers any degree of flexibility (perhaps you’re a journalist, but ‘editor’ or ‘writer’ would be just as good a description of your 9-5), then try inputting these different terms first to see how they affect the final price. That said, never be tempted to lie about what your job involves, as this will invalidate your insurance.

    2) Avoid auto-renewing

    Sure, it’s convenient to simply let your existing policy roll over to another year, but the downside is you’ll almost certainly lose out financially by being lazy. Switching cover doesn’t have to be a massive chore, and the savings will reward any extra effort. Sometimes you won’t even have to move to a new provider at all – if you find a cheaper quote online simply put in a call to your current insurer to see if they can match it. Write a reminder in your diary when your current policy nears its expiration date and devote half an hour or so to sweeping the competition for more attractive offers.

    3) Use a comparison site

    Comparing like-for-like cover is one of the best ways you can save money on car insurance. Get on a comparison site to see which provider offers the best deal tailored to your needs and compare this to any quotes you’ve received from companies that don't feature on these tools, like Direct Line and Aviva. Remember, if a deal looks too good to be true, it just might be. Policies that are significantly cheaper than the competition often don't provide as much cover. Read the details thoroughly before clicking through, and again before making your final purchase – occasionally the information displayed on the comparison site will have slightly different features to the final policy you’re offered.

    4) Go easy on modifications

    Can’t resist a flashy upgrade? Then be prepared for potential hikes in your annual premium. Even the addition of something as seemingly innocuous as new alloys could mark you out as higher risk, and consequently see your costs increase. If you do want to make changes, it’s always best to chat to your provider first to see what knock-on effect there’ll be.
    That’s not to say modifying your car is all bad. In fact, fitting security devices such as alarms, immobilisers or trackers is conversely a great way to save on your insurance, as providers will be reassured your vehicle is less likely to be stolen.

    5) Be an early bird

    Set a reminder on your phone: the optimum time to buy new car insurance is three weeks before you actually need it. That’s according to MoneySavingExpert.com, which analysed more than 18 million quotes to find out whether being organised and buying well in advance was actually worth the effort. Too early, their investigation found, and you could potentially overpay by £100s as there are fewer insurers returning quotes. However, if you leave it to the last minute you're likely to take an even greater financial hit, as some insurers have found a correlation between late-purchasers and higher rates of claims. The sweet spot is 21 days, which shows a degree of care and consideration that reassures providers you’re likely to be a good customer.[1]

    6) Take care choosing your next car

    Finally, if 2020 is the year you’re splurging on a new vehicle, be warned that value and engine size will play a big part in determining how much you pay to insure it. Imported cars can also attract heftier premiums, as parts will be necessarily harder and costlier to source. Before buying any car, it’s advisable to get a few insurance quotes first and factor them into your annual running costs.

    Sources

    https://monzo.com/blog/2019/11/15/how-to-save-money-on-car-insurance
    https://www.confused.com/car-insurance/price-index
    https://www.which.co.uk/money/insurance/car-insurance/how-to-find-cheap-car-insurance-a2w188j8m68j

    [1] https://www.moneysavingexpert.com/news/2018/07/revealed-the-best-day-to-buy-car-insurance-to-slash-costs-by-100s/

  • What kind of insurance should I get?

    Comprehensive

    This offers the highest level of protection you can get for you and your car, as well as other people and their property.

    Third-party, fire and theft (also known as TPFT)

    It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It also covers you if your vehicle is stolen (or damage occurs as the result of an attempted theft e.g. stolen radio) or is involved in a fire. The fire damage applies to accidental fires as well as arson (however you’ll need a crime reference number to make a claim for the latter). It does not pay out if your car is stolen or damaged, even if the accident is not your fault.

    Third-party

    This is the minimum level of cover required by law. It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It does not pay out if your car is stolen or damaged, even if the accident is not your fault.

  • Do I need car insurance if my car is never on the road?

    If your car is not on the road, then you must apply for a Statutory Off Road Notification (SORN), which means that you don’t need to tax or insure your vehicle.

  • Does my age affect car insurance premiums?

    Yes, young and new drivers may find car insurance more expensive.

    This is because, statistically speaking, young drivers are one of the riskiest groups on the road. That's why it's especially important to compare car insurance quotes and try to find the best deal possible.

  • What is a No Claims Bonus?

    A No Claims Bonus or No Claims Discount is awarded to you by your insurer if you haven't had to claim on your car insurance for a certain length of time.

    Your insurer will usually reduce the cost of your policy - as it indicates that you may be a careful driver.

    The longer you don't claim for, the lower your premiums could be.

  • What is a voluntary excess?

    When you buy a car insurance policy, you can choose a voluntary excess.

    This is an amount you’ll need to pay in addition to your compulsory excess, when you need to make a claim.

    If you choose a high voluntary excess, your monthly premiums may be cheaper - but ensure that you would definitely be able to afford to pay this amount yourself when needed.

  • What do I need to get a quote on the www.UniteCar.co.uk website?

    To get a quote on the Unite Car Insurance comparison website, it will be useful to have the following to hand to help you get an accurate quote as quickly as possible.

    Vehicle details
    · Vehicle number plate
    · Estimate of how many miles you drive each year
    · Modifications you've made to the vehicle

    About you
    · Your occupation
    · Details of any points, speeding tickets or disqualifications you’ve had in the last 5 years
    · Any accidents you’ve had or claims you’ve made in the last 5 years, including the date, type of accident and the claim cost
    · No claims bonus

    Your licence
    · The type of licence, e.g. Full, Provisional
    · How long you have had it for

    Additional drivers
    · Is anyone else going to drive your car?
    · If so you’ll need their names, licence details and driving history too.

    Simply click here to be redirected to the Quote form to see how much you could save.

  • How can I make a claim?

    You’ll need to contact your insurer directly to make a claim – their contact details will be in your policy documents, which we emailed to you.

    You’ll also need to let them know if you’ve had an accident, regardless of whether it was your fault or someone else’s.

  • Is the service approved by Unite?

    Yes, the car insurance comparison website service is approved by Unite, as seen on the Unite Membership Benefits page - https://unitetheunion.org/why-join/member-offers-and-benefits/

  • How do I get a quote?

    To get a quote, go to https://insurance.uniteprotect.co.uk/car/AboutYou.aspx, enter your details and within 5 minutes you'll receive quotes from up to 60 insurance brands. Or, if you prefer to compare quotes over the phone, simply call 0330 022 6713.

  • What is the cheapest month to buy or renew my car insurance?

    According to research from whatcar.com, February is officially the cheapest month in which to buy or renew your car insurance policy. They found that drivers can save an average of £100 by sorting out their car insurance renewal in February rather than in December. To read the article, please click here.

  • Should I renew my car insurance early?

    Being organised and renewing your car insurance policy early, no matter what the time of the year, will invariably pay off. According to Money Saving Expert, Providers often equate leaving-it-to-the-last-minute types with a higher likelihood of claims, while buying it three weeks in advance suggests the kind of organisation and care that risk-averse insurance providers are looking for. To read the article, please click here.

Unite Car Insurance Comparison

Ultimately car insurance is more than just a legal requirement - there's a certain peace of mind that comes with knowing that you, your vehicle and the people who use it are going to be protected financially whatever the road ahead holds.

However "the mistake most drivers make is failing to shop around for the best premium and simply accepting an insurer's renewal quote, which is likely to be much higher" (This is Money).

And that's where being part of the Unite family can pay off. UniteProtect has launched a new Unite Car Insurance Comparison website for Unite members to help members save money and find the right insurance.

So whether you’ve had a past driving conviction or have an older car, we’ll help you find a policy that meets your requirements.

Simply enter your details and the www.UniteCar.co.uk website will compare quotes from up to 60 insurance brands to get the best deals for you! Or if you'd prefer to get a compare quotes over the phone, please call 0330 022 4113.

Plus, buy with confidence knowing that the service is Unite approved.

UK based call centre open 8.30am to 5pm Monday to Friday. Calls to 0330 numbers cost no more than a national rate call to an 01 or 02 number and will count towards any free minutes you may have on your phone contract. Check with your network provider for full details of your service.

Unite the Union is an Introducer Appointed Representative of UniteProtect, a trading name of Union Income Benefit Holdings Ltd (FRN 307575). UniteProtect is an introducer for Vast Visibility Limited, who administer the UniteProtect Car Insurance website and are authorised and regulated by the Financial Conduct Authority to distribute general insurance products under firm reference number 566973.

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Price Match Guarantee - T&Cs

Price Match Guarantee Terms and Conditions:

This offer is to beat your cheapest online car insurance quote. The guarantee only applies to annual policies and to the basic policy price only. This offer excludes telephone quotations and only applies to permanent residents in the UK. We reserve the right to request proof of, and validate, alternate quotes as well as proof of the information you provided to obtain the quotes (e.g. copy of driving licence or utility bill) before our guarantee is honoured. In the event that we still cannot match your alternate quotes, then we will send you a cash reward. This offer can be withdrawn at any time.

Customer Testimonials

at our customers had to say:

"I bought a new car & my insurer increased my price to £146.40. So I shopped around. I got the best price on here at £71.14. I just cancelled my existing & took out the new one." Joe from Leeds

"Absolutely chuffed with the price. My premium increased from £291.42 to £525.36, but I just got a quote on Unite Car for £240.86. I can’t believe I’m actually saving on my old premium." Helen from Kent

"I recently saved over £75 buying car insurance through the UniteCar website. I could have saved even more money but decided to buy a better policy with a courtesy car and lower excess in case we have an accident. I am really pleased to save some money." Sarah from Lingfield

Here's how much customers have saved on their car insurance renewal:

February 2021

David from Norwich saved £80
Jacqueline from Southampton saved £40
Jugraj from Birmingham saved £600
Denis from Minehead saved £200
Thierry from Bradford saved £300
Alia from Edinburgh saved £50


Save Money On Your Car Insurance

If one of your resolutions for the dawn of the bright new decade is to take better stock of your finances, getting on top of your car insurance is a great place to start.
With the average price of a comprehensive policy coming in at £815, according to the most recent Confused.com figures , getting covered can put a lot of pressure on the purse strings. And as it’s a legal requirement, there’s not a lot of leeway to wriggle out of paying. Fortunately, there are plenty of ways to shave money off your policy. Even small savings can add up over the course of a year.
Check out our six tips for a better idea of how to make your money go further:

1) Pick the right job title

It seems such an insignificant detail, but what you do for a living can impact on how much you pay for your car cover. This is because some professions are deemed a higher insurance risk than others. If your job title offers any degree of flexibility (perhaps you’re a journalist, but ‘editor’ or ‘writer’ would be just as good a description of your 9-5), then try inputting these different terms first to see how they affect the final price. That said, never be tempted to lie about what your job involves, as this will invalidate your insurance.

2) Avoid auto-renewing

Sure, it’s convenient to simply let your existing policy roll over to another year, but the downside is you’ll almost certainly lose out financially by being lazy. Switching cover doesn’t have to be a massive chore, and the savings will reward any extra effort. Sometimes you won’t even have to move to a new provider at all – if you find a cheaper quote online simply put in a call to your current insurer to see if they can match it. Write a reminder in your diary when your current policy nears its expiration date and devote half an hour or so to sweeping the competition for more attractive offers.

3) Use a comparison site

Comparing like-for-like cover is one of the best ways you can save money on car insurance. Get on a comparison site to see which provider offers the best deal tailored to your needs and compare this to any quotes you’ve received from companies that don't feature on these tools, like Direct Line and Aviva. Remember, if a deal looks too good to be true, it just might be. Policies that are significantly cheaper than the competition often don't provide as much cover. Read the details thoroughly before clicking through, and again before making your final purchase – occasionally the information displayed on the comparison site will have slightly different features to the final policy you’re offered.

4) Go easy on modifications

Can’t resist a flashy upgrade? Then be prepared for potential hikes in your annual premium. Even the addition of something as seemingly innocuous as new alloys could mark you out as higher risk, and consequently see your costs increase. If you do want to make changes, it’s always best to chat to your provider first to see what knock-on effect there’ll be.
That’s not to say modifying your car is all bad. In fact, fitting security devices such as alarms, immobilisers or trackers is conversely a great way to save on your insurance, as providers will be reassured your vehicle is less likely to be stolen.

5) Be an early bird

Set a reminder on your phone: the optimum time to buy new car insurance is three weeks before you actually need it. That’s according to MoneySavingExpert.com, which analysed more than 18 million quotes to find out whether being organised and buying well in advance was actually worth the effort. Too early, their investigation found, and you could potentially overpay by £100s as there are fewer insurers returning quotes. However, if you leave it to the last minute you're likely to take an even greater financial hit, as some insurers have found a correlation between late-purchasers and higher rates of claims. The sweet spot is 21 days, which shows a degree of care and consideration that reassures providers you’re likely to be a good customer.[1]

6) Take care choosing your next car

Finally, if 2020 is the year you’re splurging on a new vehicle, be warned that value and engine size will play a big part in determining how much you pay to insure it. Imported cars can also attract heftier premiums, as parts will be necessarily harder and costlier to source. Before buying any car, it’s advisable to get a few insurance quotes first and factor them into your annual running costs.

Sources

https://monzo.com/blog/2019/11/15/how-to-save-money-on-car-insurance
https://www.confused.com/car-insurance/price-index
https://www.which.co.uk/money/insurance/car-insurance/how-to-find-cheap-car-insurance-a2w188j8m68j

[1] https://www.moneysavingexpert.com/news/2018/07/revealed-the-best-day-to-buy-car-insurance-to-slash-costs-by-100s/

FAQ
What kind of insurance should I get?

Comprehensive

This offers the highest level of protection you can get for you and your car, as well as other people and their property.

Third-party, fire and theft (also known as TPFT)

It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It also covers you if your vehicle is stolen (or damage occurs as the result of an attempted theft e.g. stolen radio) or is involved in a fire. The fire damage applies to accidental fires as well as arson (however you’ll need a crime reference number to make a claim for the latter). It does not pay out if your car is stolen or damaged, even if the accident is not your fault.

Third-party

This is the minimum level of cover required by law. It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It does not pay out if your car is stolen or damaged, even if the accident is not your fault.

Do I need car insurance if my car is never on the road?

If your car is not on the road, then you must apply for a Statutory Off Road Notification (SORN), which means that you don’t need to tax or insure your vehicle.

Does my age affect car insurance premiums?

Yes, young and new drivers may find car insurance more expensive.

This is because, statistically speaking, young drivers are one of the riskiest groups on the road. That's why it's especially important to compare car insurance quotes and try to find the best deal possible.

What is a No Claims Bonus?

A No Claims Bonus or No Claims Discount is awarded to you by your insurer if you haven't had to claim on your car insurance for a certain length of time.

Your insurer will usually reduce the cost of your policy - as it indicates that you may be a careful driver.

The longer you don't claim for, the lower your premiums could be.

What is a voluntary excess?

When you buy a car insurance policy, you can choose a voluntary excess.

This is an amount you’ll need to pay in addition to your compulsory excess, when you need to make a claim.

If you choose a high voluntary excess, your monthly premiums may be cheaper - but ensure that you would definitely be able to afford to pay this amount yourself when needed.

What do I need to get a quote on the www.UniteCar.co.uk website?

To get a quote on the Unite Car Insurance comparison website, it will be useful to have the following to hand to help you get an accurate quote as quickly as possible.

Vehicle details
· Vehicle number plate
· Estimate of how many miles you drive each year
· Modifications you've made to the vehicle

About you
· Your occupation
· Details of any points, speeding tickets or disqualifications you’ve had in the last 5 years
· Any accidents you’ve had or claims you’ve made in the last 5 years, including the date, type of accident and the claim cost
· No claims bonus

Your licence
· The type of licence, e.g. Full, Provisional
· How long you have had it for

Additional drivers
· Is anyone else going to drive your car?
· If so you’ll need their names, licence details and driving history too.

Simply click here to be redirected to the Quote form to see how much you could save.

How can I make a claim?

You’ll need to contact your insurer directly to make a claim – their contact details will be in your policy documents, which we emailed to you.

You’ll also need to let them know if you’ve had an accident, regardless of whether it was your fault or someone else’s.

Is the service approved by Unite?

Yes, the car insurance comparison website service is approved by Unite, as seen on the Unite Membership Benefits page - https://unitetheunion.org/why-join/member-offers-and-benefits/

How do I get a quote?

To get a quote, go to https://insurance.uniteprotect.co.uk/car/AboutYou.aspx, enter your details and within 5 minutes you'll receive quotes from up to 60 insurance brands. Or, if you prefer to compare quotes over the phone, simply call 0330 022 6713.

What is the cheapest month to buy or renew my car insurance?

According to research from whatcar.com, February is officially the cheapest month in which to buy or renew your car insurance policy. They found that drivers can save an average of £100 by sorting out their car insurance renewal in February rather than in December. To read the article, please click here.

Should I renew my car insurance early?

Being organised and renewing your car insurance policy early, no matter what the time of the year, will invariably pay off. According to Money Saving Expert, Providers often equate leaving-it-to-the-last-minute types with a higher likelihood of claims, while buying it three weeks in advance suggests the kind of organisation and care that risk-averse insurance providers are looking for. To read the article, please click here.