Car & Driving

What Is a protected no claims discount? UK Meaning Explained

A protected no claims discount is an optional paid extra that lets a driver make a limited number of claims within a set period without losing the no claims years they have built up. It shields the discount, not the underlying premium.

15 Jun 2026 · 1 min read

What Is a courtesy car? UK Meaning Explained

A courtesy car is a temporary replacement vehicle provided while an insured car is being repaired after a claim. It is usually a small standard model supplied by the approved repairer, not a like-for-like match for the original car.

15 Jun 2026 · 1 min read

What Is a write-off category? UK Meaning Explained

A write-off category is the salvage grade an insurer assigns to a damaged vehicle deemed uneconomical or unsafe to repair. UK categories A, B, S and N describe how badly the car is damaged and whether it may return to the road.

15 Jun 2026 · 1 min read

What Is fronting? UK Meaning Explained

Fronting is a form of motor insurance fraud where a lower-risk person is falsely named as the main driver of a car, while the real main driver is listed as a named driver, to obtain a cheaper premium.

15 Jun 2026 · 1 min read

What Is a named driver? UK Meaning Explained

A named driver is a person listed on a motor insurance policy alongside the main policyholder, permitting them to drive the insured car. The named driver shares the cover but does not own or control the policy itself.

15 Jun 2026 · 1 min read

What Is comprehensive insurance? UK Meaning Explained

Comprehensive insurance is the highest standard level of motor cover. It pays for injury and damage caused to others and also for damage to the policyholder's own vehicle, including in accidents that were the policyholder's fault.

15 Jun 2026 · 1 min read

What Is third party insurance? UK Meaning Explained

Third party insurance is the minimum legal level of motor cover in the UK. It pays for injury to other people and damage to their property caused by the policyholder, but never for damage to the policyholder's own vehicle.

15 Jun 2026 · 1 min read

What Is IPT? UK Meaning Explained

IPT, or Insurance Premium Tax, is a UK tax charged on most general insurance premiums, including motor, home and pet cover. It is collected by the insurer and passed to HMRC, so the quoted price already includes it.

15 Jun 2026 · 1 min read

What Is a black box policy? UK Meaning Explained

A black box policy is motor insurance that uses a fitted device or app to record how, when and where a car is driven. Premiums are then adjusted to reflect the driver's actual behaviour rather than statistical averages alone.

15 Jun 2026 · 1 min read

What Is a no claims discount? UK Meaning Explained

A no claims discount is a reduction on a motor insurance premium earned for each consecutive year a driver holds a policy without making a fault claim. The discount grows with each claim-free year and can cut the premium substantially over time.

15 Jun 2026 · 1 min read

What Is an insurance premium? UK Meaning Explained

An insurance premium is the price a policyholder pays an insurer in exchange for cover, charged either as a single annual sum or in monthly instalments. It reflects the insurer's assessment of risk plus Insurance Premium Tax and any arrangement fees.

15 Jun 2026 · 1 min read

What Is an excess? UK Meaning Explained

An excess is the fixed sum a policyholder pays towards a claim before the insurer covers the rest. On a settled claim of 2,000 GBP with a 350 GBP excess, the insurer pays 1,650 GBP and the customer funds the excess.

15 Jun 2026 · 1 min read

UK Car Insurance Statistics 2026

UK car insurance statistics for 2026 compiled from ABI, MIB, DfT, HMRC and FCA primary sources: average premiums, total claims paid, uninsured driving figures, Insurance Premium Tax and regional data, every number cited inline with source and date.

16 Jun 2026 · 8 min read

Dashcam Insurance Benefits UK: Does a Dashcam Lower Your Premium and How to Use Footage in a Claim

Whether a dashcam lowers your car insurance premium in the UK, how to submit dashcam footage in a claim, its use as evidence, data protection considerations, parking mode cover and front versus front-and-rear cameras.

16 Jun 2026 · 6 min read

How Much Does Car Insurance Go Up With Penalty Points UK: 3, 6 and 9 Points Explained

How much car insurance increases with penalty points in the UK. Average premium rises for 3 points (SP30), 6 points and 9 points, how long points affect quotes, and how to reduce the impact.

16 Jun 2026 · 5 min read

Electric Car Insurance UK 2026: How EV Cover Works, Costs and What to Look For

Electric car insurance in the UK covers EVs against the same risks as petrol and diesel cars plus EV-specific risks such as battery damage and charge cable theft. Here is how it works and what it costs.

16 Jun 2026 · 4 min read

Short Term Car Insurance UK 2026: Everything You Need to Know

Short term car insurance UK 2026: cover from 1 hour to 28 days, legal requirements, protection for the owner's no-claims discount, and eligibility factors.

16 Jun 2026 · 7 min read

Temporary Car Insurance UK 2026: A Guide to Short-Term Motor Cover

Temporary car insurance UK 2026: how short-term motor policies work, who they suit, legal requirements under the Road Traffic Act 1988, and key differences from annual cover.

16 Jun 2026 · 6 min read

1 Day Car Insurance UK 2026: How Short-Term Cover Works

1 day car insurance UK: how single-day cover works, when it is appropriate, how it differs from annual policies, and what the FCA and ABI say about short-term motor insurance.

16 Jun 2026 · 6 min read

UK Car Insurance Premium Falls Stall at £560 Average: ABI Q1 2026 Shows Repair Costs and Fuel Pressure Returning

The average UK comprehensive motor insurance premium was £560 in Q1 2026, just £1 above Q4 2025 but £30 below a year earlier, ABI data shows. Insurers paid £2.9 billion in claims, with repairs alone reaching £1.9 billion.

15 Jun 2026 · 4 min read

Car Insurance Premium Increases: Why Average Costs Are Up and How to Compare

UK car insurance premiums have risen sharply in recent years. Here is what the ABI data shows about the average premium, the factors driving costs and how to compare cover effectively.

15 Jun 2026 · 3 min read

Car Insurance Costs UK: How to Reduce Your Premium

Every cost guide on KAELTRIPTON's car insurance hub, listed by search volume.

15 Jun 2026 · 2 min read

Car Insurance UK: General Guides and Reference

Every general guide on KAELTRIPTON's car insurance hub, listed by search volume.

15 Jun 2026 · 4 min read

UK Car Insurance Reviews: Provider Comparison Guide

Every reviews guide on KAELTRIPTON's car insurance hub, listed by search volume.

16 Jun 2026 · 2 min read

Can You Insure A Car Without License: UK Car Insurance Guide

Can You Insure A Car Without License: direct answer using UK Road Traffic Act, FCA rules and real market context.

16 Jun 2026 · 7 min read

Axa Make A Payment: UK Car Insurance Guide

Axa Make A Payment: direct answer using UK Road Traffic Act, FCA rules and real market context.

16 Jun 2026 · 7 min read

Hastings Direct Windscreen Replacement: UK Car Insurance Guide

Hastings Direct Windscreen Replacement: direct answer using UK Road Traffic Act, FCA rules and real market context.

16 Jun 2026 · 7 min read

Do You Have To Own Car To Insure It: UK Car Insurance Guide

Do You Have To Own Car To Insure It: direct answer using UK Road Traffic Act, FCA rules and real market context.

16 Jun 2026 · 7 min read

How To Find Who I Am Insured With: UK Car Insurance Guide

How To Find Who I Am Insured With: direct answer using UK Road Traffic Act, FCA rules and real market context.

16 Jun 2026 · 7 min read

Can You Insure 2 Cars At The Same Time: UK Car Insurance Guide

Can You Insure 2 Cars At The Same Time: direct answer using UK Road Traffic Act, FCA rules and real market context.

16 Jun 2026 · 7 min read