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I would like to borrow
To pay back over
3.5 years

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

Does car finance include insurance?

If you’re currently looking for car finance and are trying to calculate your monthly costs, you might be wondering ‘does car finance include insurance?’ The straightforward answer is that while not every finance agreement will include insurance, there are packages on offer for you to purchase that do.

Car finance that includes insurance can be beneficial for those who wish to keep things simple and consolidate more of their car payments into one sum each month. They can also eliminate the time and hassle involved in finding suitable insurance policies each year.

Combining car finance and insurance into one payment

We understand that streamlining your car payments into one single sum can be very helpful to people who like to keep life simple. Why should you deal with two companies when you can keep all your costs together with one? We have access to a wide selection of lenders who specialise in offering finance agreements that include insurance. It’s our aim to ensure you receive the very best deals on offer for car finance of this kind, if you decide that this route is best for you.

Single payments for finance and insurance may suit your specific circumstances, but there are some considerations to take into account when entering into an agreement of this kind.

The cost of finance that includes insurance

Finance deals that also include insurance will inevitably result in higher monthly payments than those that don’t.

For many car buyers, the most affordable approach is to manage finance and insurance separately. While there are car deals available on the market that advertise free insurance, these are limited to brand new vehicles and may not be available to you if you are in a high-risk category where insurance is concerned. Higher risk groups include younger drivers with limited credit scores or those who possess a licence with points.

Finance plus insurance for younger drivers

We understand that learning to drive and getting your first car is an exciting experience, but it can also be frustrating for younger motorists seeking finance and insurance.

Many companies offering finance and insurance consider drivers who are between 18 and 24 years of age to be higher risk, and the result of this is higher premiums. With a credit history that is limited, younger people also tend to be seen as a riskier investment, and so while companies will offer finance, it is usually provided at a higher rate of interest.

There are products available, however, that are specifically tailored to younger drivers that combine the cost of finance and insurance into single, affordable monthly payments.

Products with added extras

It’s not just insurance that can be added to car finance agreements. If you are looking to streamline your vehicle-related monthly outgoings even further, there are packages available that also add, among other things, road tax payments and servicing costs.

Always bear in mind that every finance deal, including one that combines the cost of insurance, will come with its own terms and conditions, so ensure you check it suits you before you sign up.

The right advice, right when you need it

At, we’re specialists in the auto industry, meaning we can support you in finding the very best form of finance available for your own individual circumstances. If you have questions or queries on combining your finance with other aspects of using a car, such as insurance, you can get in touch and we’ll endeavour to find the best deal possible for your needs.

If you’d like to discover more about any other issues relating to car finance, don’t hesitate to contact our experts.

Other related FAQs

Looking for more related content to this? We’ve picked a selection of related topics that you may find helpful

Car finance is a loan – but it’s one that’s often secured against the vehicle you’ve decided you want. As such, it’s often viewed a little differently to a personal loan – which is not secured against anything.

Don’t worry if you can’t remember who your car finance is with. You can find out by checking your paperwork, looking at who you make your payment to through your bank, or calling the dealership you bought your car from.

Car finance companies don’t usually contact employers to assess eligibility. However, in some circumstances, they might.

Lying on a car loan application is a form of fraud and is illegal. If you’re found to have done this, you could face prosecution and you may find it harder to get credit in the future.

The maximum age of used cars eligible for finance agreements tends to be 10 years, although there are exceptions to this.

In general, you cannot simply transfer a car finance agreement to someone else. However, there may be other options available to you that meet your needs.

The number of years banks will finance a used car for depends on the particular agreement you enter into. Usually, agreements are available for terms of between 12 and 60 months.

Under certain circumstances, you can claim the cost of a car as a capital allowance, meaning you can deduct some of the vehicle’s value from the profits of your business before paying tax. However, strict criteria apply.

Car finance agreements can be a great option for a wide range of people. Before committing to a deal though, it’s always important to read the terms carefully and consider the pros and cons.

A guarantor car loan is an agreement in which a third party (usually a family member or friend) agrees to guarantee the repayment of your loan if you fail to keep up with your payments.