If you’re searching for affordable car insurance, you’ve probably come across GoCompare. Unlike traditional insurers, GoCompare is a price comparison platform that helps drivers compare multiple insurance providers to find the best coverage and price. This review explains how GoCompare car insurance works, its features, benefits, pricing, pros and cons, and whether it’s worth using.
This article is ideal if you’re researching insurance platforms, looking for cheaper premiums, or comparing providers before buying a policy.
Understanding GoCompare Car Insurance
GoCompare is a UK-based insurance comparison website that allows users to compare quotes from multiple car insurance providers in one place. Instead of selling its own policies, the platform connects users with insurance companies based on their needs, vehicle details, and budget.
Founded in 2006, GoCompare has grown into one of the most recognized comparison services in the UK, helping drivers save time and money by comparing coverage options from dozens of insurers.
How It Works
The process is simple:
- Enter personal and vehicle details.
- Select coverage preferences.
- Compare quotes from different insurers.
- Choose a policy and purchase directly from the provider.
The platform focuses on transparency, allowing users to compare price, excess, coverage features, and optional add-ons side by side.
Why Use GoCompare for Car Insurance?
Many drivers use comparison sites because they simplify the insurance shopping process. Instead of visiting multiple insurance websites individually, GoCompare collects quotes in minutes.
Key Benefits
- Compare multiple insurers instantly
- Find cheaper premiums
- View policy features clearly
- Customize coverage options
- Access exclusive deals or discounts
- Save time researching policies
For first-time drivers or those renewing insurance, this convenience makes GoCompare attractive.
What Does GoCompare Car Insurance Include?
Because GoCompare is a comparison service, coverage depends on the insurer you choose. However, most quotes include standard UK car insurance types.
1. Third-Party Coverage
This is the minimum legal requirement in the UK.
It covers:
- Damage to other vehicles
- Injury to other people
- Property damage
It does not cover damage to your own vehicle.
2. Third-Party, Fire and Theft
This includes:
- Third-party liability
- Protection if your car is stolen
- Fire damage coverage
3. Comprehensive Insurance
The most complete option covers:
- Damage to your own vehicle
- Third-party liability
- Fire and theft protection
- Accidental damage
- Medical expenses (varies by insurer)
Features of GoCompare Car Insurance Comparison
Easy Comparison Tool
The website shows quotes in an organized format, allowing users to compare:
- Price
- Coverage limits
- Excess amounts
- Add-on features
- Customer ratings
Policy Customization
Users can tailor policies with optional extras such as:
- Breakdown cover
- Legal protection
- Courtesy car
- Windscreen cover
- No-claims protection
Excess Cover Options
Some insurers offer voluntary excess adjustments to lower premiums.
Quote History Tracking
Users can revisit previous searches and compare updated pricing.
Pros of Using GoCompare
Quick Price Comparison
One of GoCompare’s biggest strengths is speed. You can compare dozens of quotes in minutes.
Potential Savings
Many drivers find cheaper policies through comparison platforms.
Wide Insurer Network
The site works with multiple insurance providers, offering more options.
Transparent Pricing
Users can clearly see policy features and coverage differences.
Free to Use
There is no cost to compare quotes.
Cons of GoCompare
Not an Insurance Provider
GoCompare does not handle claims or policy servicing — the insurer does.
Not All Insurers Are Included
Some companies may not appear on comparison sites.
Prices May Change
Quotes can vary depending on details or insurer verification.
Limited to UK Market
GoCompare primarily serves UK drivers and may not suit users outside the UK.
How Much Does GoCompare Car Insurance Cost?
GoCompare itself is free — you only pay for the policy you choose.
The cost of car insurance depends on:
- Age and driving experience
- Location
- Vehicle type
- Driving history
- Coverage level
- No-claims bonus
- Voluntary excess
Younger drivers or high-risk vehicles typically pay higher premiums, while experienced drivers with clean records pay less.
Because the platform compares many providers, users often find competitive pricing.
How to Get a Quote on GoCompare
Getting a quote takes about 5–10 minutes.
Steps:
- Visit the GoCompare website.
- Enter your personal information.
- Provide vehicle details.
- Choose coverage level.
- Compare results.
- Select and purchase a policy.
After purchasing, policy management and claims are handled directly by the insurance provider.
Claims Process
Since GoCompare is not an insurer, claims are filed with the company providing your policy.
Typical process:
- Contact your insurance provider.
- Provide accident details.
- Submit required documents.
- Insurer assesses the claim.
- Repairs or compensation arranged.
GoCompare’s role ends once you purchase the policy.
Customer Experience and Reputation
GoCompare is widely known for:
- User-friendly interface
- Fast comparison process
- Transparent quote listings
- Well-known brand recognition
However, satisfaction depends largely on the chosen insurer rather than the comparison platform itself.
Some users report price differences between comparison quotes and final insurer pricing, which is common in the insurance industry.
GoCompare vs Buying Directly from Insurers
Comparison Site Advantages
- Saves time
- Shows multiple options
- Easier price comparison
- May find cheaper deals
Direct Purchase Advantages
- Potential loyalty discounts
- Direct customer support
- Full insurer offerings
Many drivers use both methods to ensure they get the best price.
Is GoCompare Car Insurance Worth It?
GoCompare is best suited for:
- Drivers seeking cheaper premiums
- First-time insurance buyers
- People renewing policies
- Budget-conscious drivers
- Users wanting quick comparisons
It may not be ideal for those wanting direct insurer relationships or customers outside the UK.
Final Verdict: Should You Use GoCompare?
GoCompare is a convenient and effective tool for comparing car insurance prices. It simplifies the shopping process, helps users identify competitive policies, and offers transparency in coverage comparison.
While it doesn’t provide insurance itself, its comparison system can help drivers find affordable policies quickly. If your goal is to save money, compare coverage, and explore multiple insurers easily, GoCompare is a strong option.