.png?width=1200&height=800&ext=.png)
No, your policy doesn’t provide cover for any mechanical failure, or wear and tear to your vehicle or its parts.
Car Insurance by make and model
Whether you drive a Ford, BMW, Volkswagen or another manufacturer, you’ll find helpful guidance to insuring your car.
24/7 claims service
Manage your policy and claim online via Your Account
Friendly support team
Find competitive cover for your vehicle
Different manufacturers come with different car insurance considerations. From repair costs and engine sizes, to performance models and safety technology - the make of your car can influence how your premium is calculated.
Our manufacturer pages give you clear, brand-specific information to help you understand what may affect the cost of insuring your vehicle, and how to choose the right level of cover.
Why car brand matters for insurance
When calculating your premium, insurers consider a range of vehicle-related factors, including but not limited to:
● Typical repair and parts costs
● Performance and engine size across the range
● Safety and security features
Some brands are known for affordability and low running costs, while others may fall into higher insurance groups due to performance or specialist parts. Our dedicated brand pages explain what this could mean for you.
Some of the car brands we cover
Explore dedicated pages for major manufacturers, including:
Why choose.svg)
?
We know that insurance isn’t just about cover - it’s about confidence. Here’s why thousands of people trust us:
-
Friendly support team
-
We’re competitive on price
-
Rated Excellent on Trustpilot
-
98% of claims paid in 2025
What affects the cost of car insurance?
While every quote is personalised, some common factors influence how much you pay. These can include your vehicle’s make and model, engine size, where you live, how you use your car and your driving history. You can read a full breakdown in our guide to what affects your car insurance price.
Get the right price for your car
Our brand-focused pages make it easier to find competitive car insurance quotes for your vehicle.
Frequently Asked Questions
Does my car insurance cover me to drive my car abroad?
Your 1st Central policy includes up to a maximum of 90 days’ free cover per policy year whilst driving the insured vehicle in:
- any country which is a member of the European Union; and
- any country which the Commission of the Economic Community approves as meeting the requirements of Article 8(1) of the EC Directive 2009/103/EC, or as amended.
Countries include:
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxemburg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
Currently you have the same level of cover you receive in the UK for 90 days whilst driving in Europe, and cover isn’t limited to one trip only. After the 90 days, if you’re still driving abroad, you’ll automatically have the minimum legal cover required for that country (usually third party only).
If you’ve already used your period of cover for this year or wish to extend your cover beyond your standard allowance, this will be subject to our underwriting criteria and you may need to pay an additional premium.
You need to let us know if you’re planning to take your car abroad, no matter how many days you plan to go away for.
You can view your Insurance Document Wording on our website here.
Do you insure learner drivers?
Yes, we do.
We try to be competitive in the young and learner driver market and will insure learner drivers subject to normal underwriting rules.
What car insurance payment options do you offer?
If you're 18 or over, you have the option of paying in full or in instalments, subject to a creditworthiness assessment. It's more expensive to pay for your policy by monthly instalments instead of paying in full, because you're charged interest on a loan.
However, if you're 17 you'll need to pay in full as car finance is not an option for 17-year-olds, as you're not allowed to sign a credit agreement until the age of 18.
If you decide to pay by instalments, we offer two options: a direct debit from your bank or monthly recurring card payments from a debit or credit card.
When you purchase a policy for the first time and decide to pay monthly, you'll be required to pay a deposit on the day you purchase, in addition to your monthly instalments.
We accept the following cards:
Visa, Visa Electron, Mastercard, Maestro
Does my car insurance cover mechanical failure?
Does my car insurance cover business use?
You would have told us what you use your car for when you took out your policy.
Please check your Insurance Certificate to confirm your level of cover.
You can find your Insurance Certificate online in the Your Account.