Which Car Insurance Companies Are Not On Comparison Sites?

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Which Car Insurance Companies Are Not On Comparison Sites?

Which Car Insurance Companies Are Not On Comparison Sites

When trying to find the best deal on car insurance, most consumers head straightaway to a car insurance comparison site. And why wouldn’t they? It’s well-publicized that these sites have quotes from every major insurance company in one neat little list.

There, the rate comparison is already done for you. All you have to do is browse the list of car insurance companies and click the one with the lowest rate. After all, if there were a better rate available, it would surely be listed, wouldn’t it?

Actually, no, it wouldn’t be. Many car insurance companies choose not to be listed on these sites. And, often, their rates are the lowest you can find.

We’ve listed the best of these companies below, along with some information on how to find the lowest rate on car insurance. To learn more, continue reading this guide.

Why Are Some Companies Unlisted?

There are a couple of reasons that some companies won’t be found on car insurance sites. The first is that these comparison sites charge the insurance companies a commission fee.

By remaining unlisted, insurance companies avoid this fee. Then, they can offer a lower rate to their customers.

That’s the second reason. Offering the lowest rate possible keeps the company from getting undercut by cheaper quotes.

List Of Car Insurance Companies Not Listed On Comparison Sites

Given that the difference between the cheapest and most expensive insurers can often be in the £100s, it is well worth looking at these alternative sites and getting quotes from them too. So, here are which car insurance companies are not on comparison sites.

Direct Line

Direct Line has literally made a name for itself by refusing to appear on comparison sites. Instead, they pride themselves on working directly with clients to get them the exact cover they need at the best rates possible.


Aviva is an international insurance company with offices around the world. They also offer a wide range of car insurance policies so you can carefully choose which is best for you. Aviva also offers an array of extras such as temporary insurance and multicar insurance.

NFU Mutual

Though they’re primarily aimed towards the farming community and rural insurers, NFU Mutual is worth a look. Because it’s owned by its policyholders, it quite often offers a good deal.

It also differs from other companies in that it is represented by individual agents around the country. Though these are usually located in rural areas, you can still ring a centralised call centre to get a quote.


Admiral is especially affordable for those needing multiple cars insured. Each car you add to your policy earns you an additional discount.


Zurich is your best option for customisable cover. With the extensive list of policy extras they offer, you can hand-craft the ideal policy for your needs.

How To Find The Cheapest Quote

The biggest problem with comparison sites is that, because they charge different fees, insurance companies may end up putting different offers on different sites. This means that, to get the best deal, you must actually compare the comparison sites! That sort of defeats the purpose, doesn’t it?

Start On Comparison Sites

Still, comparison sites are a great foundation for figuring out what rate to expect. But once you have a basic idea of what you should pay, you should always go directly to the insurer to check for a better deal.

Look For Discounts

Also, some companies give you a discount if you sign up on the phone or online. Look for discounts advertised on the insurance company website. If you don’t see any, try calling and going online and see which gives you the better deal.

Only Pay For What You Need

Another benefit of phoning the company is the ability to tweak your cover for a better price. It’s possible the high rate you were quoted includes cover you don’t even need.

Also, you may get a better rate by paying annually instead of monthly. Most often, this significantly reduces your total interest paid.

Keep This List

Stop paying too much for car insurance. To get the best rate, heed this advice and bookmark this list of insurance companies.

Now read our list of Black Box Car Insurance Pros & Cons You Should Know.

Olie Smith
Olie Smith
Olie Smith is a DSA Fully Approved Driving instructor with years of professional experience in driver training. Oliver set up Totally Driving to give a more bespoke, personal feel to driving lessons.

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