Latest News and Articles
See below the list of our latest news and articles from our BLOG on the Einsure website:
Third-Party vs Fully Comprehensive Car Insurance: What’s the Difference?
Choosing the right car insurance policy isn’t just about price — it’s also about understanding what level of cover best suits your needs. In the UK, car insurance is a legal requirement, but there are different types of policies available, each offering different levels of protection.
The two most common types are third-party and fully comprehensive cover. While both serve the same fundamental purpose — protecting you and others on the road — there are significant differences between them.
In this guide, we’ll break down the key distinctions to help you decide which option is right for you.
What Is Third-Party Car Insurance?
Third-party insurance is the minimum legal requirement for driving a vehicle in the UK. It covers:
Damage to other people’s vehicles
Injury to other people (including passengers and pedestrians)
Damage to third-party property
However, it does not cover:
Damage to your own vehicle
Theft of your vehicle
Fire damage
Medical costs for you (except limited personal injury cover)
Who is it suitable for?
Third-party cover is often chosen by drivers with older or lower-value cars who feel the cost of repairing or replacing their own vehicle may not justify the added premium of comprehensive cover. It’s also popular with some younger drivers due to the perception that it’s cheaper — though that’s not always the case (more on that later).
What Is Fully Comprehensive Car Insurance?
Fully comprehensive insurance provides the highest level of cover available. It includes everything offered under third-party, plus:
Accidental damage to your own vehicle
Theft of your vehicle
Fire damage
Vandalism
Windscreen repair
Personal belongings in the car (depending on the policy)
Medical expenses for you and your passengers
Courtesy car (in many policies, but not guaranteed)
Who is it suitable for?
Fully comprehensive cover is ideal for those who want peace of mind and protection against the unexpected. If you have a newer or higher-value car, or rely on your vehicle for daily use, this level of cover is often the most practical.
Is Third-Party Always Cheaper?
It’s a common misconception that third-party cover is always the cheapest. In some cases, fully comprehensive insurance can actually cost less.
Why? Because insurers may associate drivers who choose third-party policies with higher risk. Statistically, drivers who opt for minimal cover may be more likely to make a claim. As a result, fully comprehensive policies are sometimes more competitively priced, especially for experienced drivers.
This is why comparing quotes across all cover levels is essential — something you can do easily using Einsure.
How to Choose the Right Policy for You
Here are a few questions to help guide your decision:
What’s the value of your car?
If your car is older or not worth much, third-party may seem sufficient — but weigh up the risks.Could you afford to repair or replace your car if it were damaged or stolen?
If not, comprehensive cover could save you money in the long run.Do you want extra benefits like a courtesy car, windscreen repair, or cover for your belongings?
These are usually included with fully comprehensive policies.Do you drive regularly, for long distances or in busy areas?
More time on the road generally increases your risk of needing to make a claim, which may justify more complete cover.
Compare Policies with Einsure
At Einsure, we make it simple to compare both third-party and fully comprehensive car insurance policies from top UK providers. You can:
Enter your details once
View side-by-side comparisons
Adjust excess, mileage, and more
See how different levels of cover affect your premium
Whether you’re looking to save or want the most complete protection available, Einsure helps you find the right policy at the right price.
Final Thought
The difference between third-party and fully comprehensive car insurance comes down to the level of protection you want — and what you’re prepared to risk. What seems cheaper at first could cost you more in the event of an accident, so it pays to explore all your options.
Compare with Einsure today to see how much you could save, and what level of cover gives you the peace of mind you need on the road.
Do I Need to Insure My Car Subscription Vehicle Fully Comprehensive?
Car subscriptions are growing in popularity across the UK as a flexible alternative to traditional car ownership or leasing. Whether you’re subscribing for a few months or longer, one question often comes up:
Do I need to take out a fully comprehensive insurance policy for a subscription vehicle?
In most cases, yes — you do.
Unless your subscription provider includes insurance as part of your package (which some do), you are responsible for insuring the vehicle yourself, and this must be on a fully comprehensive basis.
Here’s why that matters — and what could go wrong if you don’t.
Why Fully Comprehensive Insurance Is Required
Car subscription vehicles remain the property of the provider. As the temporary driver, you are expected to protect their asset — and that means having the highest level of insurance cover.
Fully comprehensive insurance covers:
Third-party liability (damage to other vehicles, property or injuries)
Damage to the subscription vehicle (even if you’re at fault)
Fire, theft and vandalism
Windscreen and bodywork damage (depending on the policy)
Providers insist on this level of cover because anything less — such as third-party or third-party, fire and theft — does not protect their vehicle.
What Happens If You Don’t Insure the Vehicle Properly?
1. Your Subscription Could Be Terminated Immediately
Failing to provide valid fully comprehensive cover is usually a breach of the subscription contract. Providers have the right to cancel your agreement, collect the vehicle, and potentially charge early termination or recovery fees.
2. It Could Affect Your Credit Score
Car subscription contracts often include financial agreements. Early termination or defaulting on the terms (such as failing to insure the car) could be reported to credit reference agencies, potentially affecting your credit score and ability to finance or lease vehicles in future.
3. You’d Be Liable for All Repair Costs
If you’re involved in an accident and do not have fully comprehensive insurance, you may be personally liable for the full cost of repairs to the vehicle, even if the damage was minor.
And if the vehicle is written off or stolen? You could be expected to cover the entire value of the car — which could run into the tens of thousands of pounds.
Don't Risk It – Compare Insurance Quotes with Einsure
If your car subscription does not include insurance, it’s your responsibility to take out suitable cover before you drive away. At Einsure, we make this process simple.
Use our comparison tool to:
Find fully comprehensive policies from trusted UK providers
Adjust your excess, mileage, and cover options
Get the best price for the level of protection you need
Remember: not all policies will cover subscription vehicles automatically, so check the wording carefully or speak to your insurer directly to confirm the vehicle type is accepted.
Final Thought
Car subscriptions offer flexibility, convenience, and freedom — but only if you’re properly insured. Failing to take out a fully comprehensive policy not only puts you at financial risk, it could also lead to contract termination and credit implications.
If your provider doesn’t include insurance, take control and compare fully comprehensive policies today with Einsure.uk— so you can enjoy your car subscription with complete confidence.
Is a Car Subscription Right for You?
If you’re weighing up whether a car subscription is the right choice, here are some of the key advantages and potential drawbacks to consider:
Pros of Car Subscriptions
No long-term commitment – Ideal for those who want flexibility without being tied into a multi-year lease or finance deal.
Low initial outlay – No large deposits or upfront payments required; typically just a simple monthly fee.
Great for expats or overseas visitors – Avoids the need for UK credit history or permanent residency.
Perfect for new starters and probationary employees – Businesses can offer a vehicle without locking into a long-term fleet contract.
All-inclusive options available – Some providers include maintenance, tax, servicing, and breakdown cover in the monthly cost.
Quick turnaround – Vehicles are often available within days, rather than weeks or months.
Cons of Car Subscriptions
Higher monthly cost compared to long-term leases – The flexibility comes at a price, especially for premium models.
Mileage limits may apply – Exceeding the agreed mileage can result in additional charges.
Insurance often not included – You may need to arrange your own fully comprehensive insurance, unless otherwise specified.
Limited customisation – Unlike owning or leasing, you typically can’t modify the vehicle or choose factory options.
A car subscription is a practical solution for many — particularly those who need short-term mobility, are new to the UK, or simply want a car without long-term strings attached. Just make sure you’re insured correctly, and you can drive with peace of mind.
Need fully comprehensive insurance for your subscription vehicle?
Start comparing quotes today at Einsure.uk and get covered with confidence.
The Top 3 Occupations That Could Face the Highest Car Insurance Premiums
When it comes to calculating car insurance premiums, insurers consider a wide range of factors — and one of the more surprising is your job title. Many drivers don’t realise that your occupation can significantly influence the cost of your cover, even when your actual day-to-day duties seem low risk.
Insurance providers use statistical data to evaluate which professions are more likely to make a claim or be involved in accidents. This isn’t necessarily about how dangerous your job is, but rather how it’s been associated with driving behaviours, mileage, work patterns, and claim history over time.
At Einsure, we help drivers across the UK understand what affects their quotes. Below, we reveal three occupations that typically face some of the highest car insurance premiums, and why that’s the case.
1. Professional Footballers and Athletes
It might come as no surprise that professional sportspeople – particularly footballers – are often quoted high insurance premiums. But it’s not just about expensive vehicles.
Why the higher premiums?
High-value cars: Many athletes drive performance or luxury cars, which are more costly to insure.
Public profile: Higher visibility and greater exposure to risk (e.g. theft or vandalism).
Irregular working hours and long drives to fixtures or training grounds.
Even if the vehicle is garaged or well protected, insurers take the overall profile into account. If you’re a sports professional or work in the sports industry, it’s wise to shop around — comparison tools like Einsure can help you find insurers with more favourable attitudes toward your profession.
2. Entertainment Industry Professionals
Jobs such as musicians, DJs, actors, dancers, and television presenters often fall into higher risk brackets for insurers. These occupations involve unpredictable schedules, travel to various locations, and late-night work — all of which increase the perceived risk.
Why the higher premiums?
High mileage or frequent travel to gigs, venues, or studios.
Driving at unsociable hours, often associated with more accidents.
Carrying expensive or bulky equipment.
Vehicles potentially left in public or unfamiliar areas overnight.
For entertainers or freelancers in creative roles, it’s worth exploring how slight changes in your job title can influence your quote. A sound engineer, for instance, may be quoted less than a DJ — even if the duties are very similar.
3. Fast Food Delivery Drivers and Couriers
Drivers working in food delivery or courier services often face significantly higher premiums. These roles involve constant driving, often under time pressure, and during peak risk hours (like evenings or weekends).
Why the higher premiums?
Higher exposure to road traffic accidents due to time spent driving.
Frequent stop-start driving in urban environments.
Use of personal vehicles for commercial purposes.
Higher likelihood of wear and tear, which can lead to claims.
It’s essential to ensure that your policy covers business use if you’re working as a delivery driver or courier. Failing to disclose this can invalidate your insurance, even if the job is temporary or part-time.
Can You Lower Your Premium If You Work in One of These Jobs?
Yes, in many cases. Here are a few tips:
Check alternative job titles: Some titles are viewed more favourably than others. For example, “writer” may be cheaper to insure than “journalist”, depending on the insurer’s data.
Limit your mileage where possible.
Increase your voluntary excess (within reason).
Add a named driver with a strong driving history, if appropriate.
Use a comparison site like Einsure to find the most competitive quote tailored to your job.
Even if your job places you in a higher-risk category, shopping around is one of the most effective ways to reduce your premium.
Compare with Einsure and Save
At Einsure, our goal is to make finding car insurance simple and transparent. With just a few quick details, you can compare quotes from a range of top UK insurers, adjusting your policy to suit your personal circumstances — including your occupation.
Understanding how your job affects your premium is the first step. Comparing policies with Einsure is the next.
When Is the Best Time to Buy or Renew Car Insurance?
If you’ve ever left renewing your car insurance to the last minute, you’re not alone — but you may have unknowingly paid more than you needed to. Many drivers are surprised to learn that the timing of when you buy or renew your policy can significantly affect the price you pay.
At Einsure, we believe in helping drivers make smarter, better-informed decisions. In this guide, we’ll explore the best time to buy or renew car insurance, explain why timing matters, and offer tips to help you save money on your next policy.
Why Timing Affects Car Insurance Prices
Car insurance premiums aren’t fixed — they change based on demand, market conditions, risk models, and most notably, your behaviour as a customer.
Insurers use statistical data to predict how likely a driver is to make a claim. Believe it or not, when you shop for your policy can influence how you’re perceived in terms of risk.
For example:
Early shoppers are seen as more organised and less risky.
Last-minute buyers are often deemed higher risk, potentially leading to higher quotes.
The Golden Window: 21 to 26 Days Before Renewal
Research, including studies referenced by trusted consumer sites like MoneySavingExpert, shows that the cheapest time to buy or renew car insurance is around 21 to 26 days before your policy start date.
Quotes offered during this period can be up to 40% cheaper than those given just a day or two before the renewal date.
This “sweet spot” works because insurers consider early renewers to be:
Lower risk
More financially responsible
Less likely to claim
What Happens If You Leave It Too Late?
If you wait until the day before — or even the day of — your renewal date, you’ll likely see much higher premiums. Insurers may interpret last-minute decisions as a sign of higher-risk behaviour. You’ll also have less time to compare deals properly.
In some cases, you may even miss out on better deals altogether, especially if you rely on automatic renewals and don’t actively shop around.
Top Tips to Save on Your Renewal
Here’s how to time it right and make the most of your car insurance comparison:
1. Set a Reminder
Mark your calendar for 3 to 4 weeks before your renewal date. Give yourself time to compare quotes without the pressure of a looming deadline.
2. Compare Multiple Quotes
Use a tool like Einsure to quickly view a range of quotes in one place. This helps you avoid paying a “loyalty penalty” by automatically renewing with your current insurer.
3. Avoid Auto-Renewal Without Checking
Many insurers will automatically renew your policy — often at a higher price. Always check if a better deal is available before letting it roll over.
4. Be Accurate With Your Information
To ensure you receive valid and competitive quotes, double-check that the details you provide are correct, including your mileage, address, job title, and claims history.
5. Don't Forget Cashback Websites
Whilst comparison websites are great at finding you some of the best quotes, by checking some of these companies against some of the best UK Cashback websites, you might even save a bit more by clicking their link and purchasing direct.
Use Einsure to Compare at the Right Time
At Einsure, we make it easy to compare quotes from top UK insurers in just a few minutes. Whether you’re shopping well ahead of your renewal date or just starting to consider your options, our platform allows you to:
Quickly input your details
Adjust key policy options
See how changes affect your premium
Find a deal that suits your needs and budget
Timing your search right is just one way to save — Einsure helps you unlock the rest.
Final Thought
The best time to buy or renew your car insurance is not the day before your policy expires. By shopping around 21 to 26 days in advance, you could secure a much better deal, reduce your premium, and avoid the stress of last-minute decisions.
Get ahead, compare with Einsure, and drive away with confidence.
Why European Breakdown Cover Is Crucial for Your Summer Holiday Abroad
Planning a summer road trip through Europe in your own car can be a fantastic way to explore the continent — but it’s essential to make sure you’re properly prepared. While travel insurance may be front of mind, European breakdown cover is just as important when it comes to peace of mind on the road.
Without it, a mechanical issue or roadside mishap in another country could lead to costly repairs, delays, or even being stranded — not the kind of holiday memory anyone wants.
Here’s why European breakdown cover is essential, and what else you need to know before driving your car abroad this summer.
The Importance of European Breakdown Cover
Your standard UK breakdown cover typically won’t protect you once you leave the country. European breakdown coveris designed to provide assistance in EU countries (and beyond), covering:
Roadside repairs or recovery
Towing to the nearest garage
Emergency accommodation
Repatriation of your vehicle back to the UK (if necessary)
Onward travel or a replacement vehicle
Without this cover, even a minor fault could result in expensive recovery costs and major disruption to your trip — especially if language barriers or unfamiliar regulations slow things down.
If you’re hiring or subscribing to a vehicle, always check what’s included as part of the package, and consider adding standalone cover if needed.
What You Might Need When Driving in Europe
Planning a road trip across Europe involves more than just booking ferries or mapping out scenic routes. Here are some key legal requirements and helpful extras that could apply when driving through popular destinations such as France, Spain, Germany or Italy.
1. VE103B Certificate (For Leased or Subscribed Vehicles)
If you’re driving a vehicle on a lease or subscription — rather than one registered in your name — you’ll need a VE103B certificate. This document acts as proof that you have permission to take the vehicle abroad and is a legal requirement for travelling in most European countries.
Failing to carry one could result in delays at borders or fines from local authorities.
2. Crit’Air Emissions Sticker (France)
If your holiday route takes you into cities like Paris, Lyon or Grenoble, you may be entering a low-emission zone. France operates the Crit’Air scheme, which requires drivers to display an emissions sticker on their windscreen.
Order it in advance via the official French government site
Fines can apply if you enter restricted zones without it
Even tourists must comply, so don’t assume you’re exempt.
3. Legally Required Equipment (Varies by Country)
Different countries have different laws when it comes to what must be carried in your vehicle. If you’re travelling through France, Spain or Germany, you may need to bring:
Reflective jackets (one per occupant)
Warning triangle(s)
Headlamp beam deflectors
GB or UK sticker (if not shown on your number plate)
First aid kit (required in some countries like Austria or Germany)
Breathalyser kit (still recommended in France)
Always research each country on your route to avoid fines for non-compliance.
4. Travel and Vehicle Insurance
Make sure your UK car insurance covers driving abroad, and check for any time limits (some policies restrict cover to 30 or 60 days abroad per year). You may also want to confirm that the level of cover (e.g. comprehensive) remains the same outside the UK — not all policies guarantee this.
And don’t forget your travel insurance for personal protection while you’re away.
Final Preparations Before You Go
Check your car’s servicing is up to date
Carry physical copies of your documents: driving licence, logbook (V5C), insurance certificate, VE103B if required
Check tyre tread depth and pressure
Load maps or sat nav updates in advance (some areas may lack signal)
Have breakdown contact numbers to hand
Being prepared can help you avoid unnecessary stress and keep your holiday running smoothly from start to finish.
Final Thought
Driving your own car through Europe can be one of the most rewarding ways to explore — but it comes with responsibilities. Having the right European breakdown cover is essential if you want to travel with confidence, knowing that help is just a phone call away should anything go wrong.
For those driving leased or subscription vehicles, don’t forget the VE103B certificate, and be aware of local laws such as emissions zones or mandatory safety gear.
Whether you’re heading to the Riviera, the Alps, or the Spanish coast, take the time to prepare properly. And if you need fully comprehensive insurance for your trip, use Einsure.uk to compare policies and find the right cover for your journey.