How to switch car insurance

Average customer rating: 4.3/5
Written by Kenneth Young
Reviewed by Adrian Taylor
Updated March 15, 2024

How to switch car insurance: Tips from an expert

Compare the Market’s car insurance expert, Adrian Taylor, has these top tips for drivers looking to switch their car insurance.

Adrian Taylor
Executive General Manager – General Insurance

Check for any cancellation fees

If you’ve paid your premium in full upfront, you’ll likely receive a pro-rata refund for the unused premiums of insurance when you switch. However, depending on your insurer, cancellation fees may apply, so it’s a good idea to check what these are before you decide to switch.

Compare like-for-like policies

That means you factor in the type of cover, excess, benefits and exclusions for the same car and the same listed drivers as your previous policy. This ensures that the policies can be accurately compared and you can make an informed decision on the best one for you.

Stay on top of your discounts

Many auto insurance providers offer a discount if you purchase online, but this usually only applies to your first year of premiums. After this, your premiums might automatically increase, which is why it’s worth comparing and getting car insurance quotes at least once a year.

Steps for switching your car insurance

Step 1: Find and sign up for a new policy

Step 2: Cancel your existing car insurance policy

The basics of switching car insurance

When changing insurance companies, can I do it before the renewal date?

Why switch car insurers at all?

How can I lower my car insurance premium?

How long does it take to switch car insurance?

What’s the best car insurance policy to switch to?

Your existing policy

How do I transfer my current insurance to a new car?

If I switch to a new policy, will I keep any loyalty discounts from my old insurance provider?

I got car insurance through a dealership as part of a car loan. Can I still switch policies?

Can I switch car insurance providers while I still have an outstanding claim?

How do I cancel my car insurance policy?

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As Executive General Manager of General Insurance at Compare the Market, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.