Compare ASDA Car insurance 

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Guide To ASDA Car Insurance

By Wajahat Raja
Wajahat Raja
Wajahat Raja Insurance Expert

Wajahat is an accomplished writer with a drive for finance and content creation. He has an MSc in Accounting and Finance from the University of Northampton. He has a keen interest in exploring a variety of topics like subjects insurance, private equity, and investment banking. His work demonstrates his passion for writing informational pieces which make him an asset in the field of finance

Expertise: Finance, Insurance, Home Insurance, Public Liability
from the MultiQuoteTime Editorial Team July 2023

ASDA Money does not actually offer car insurance, they are just a comparison site that compares offers from the UK’s leading providers, including the likes of Aviva, Carrot car insurance,  Hastings, Hedgehog, Tesco Bank car insurance, Admiral and many other providers of car insurance.

Car insurance is a mandatory requirement in the United Kingdom (UK) and protects you from financial loss in the event of an accident or theft. If you continue to drive without sufficient coverage, you may face penalty points, monetary fines, or even disqualification. 

Asda Car Insurance Coverage Options

ASDA car insurance offers a variety of coverage options that help you ensure financial protection if your vehicle is accidentally damaged or stolen. The three coverage levels from ASDA include:

Third-party car insurance

  • A legal minimum, budget-conscious policy for drivers. 
  • Covers the cost of personal injuries to a third party in case of an accident
  • It does not include coverage for your personal injury costs, such as medical expenses or car repair costs.

Third-Party, Fire, and Theft

  •  Covers the cost of property or vehicle damage to third parties.
  • Covers the cost of damage to your vehicle in the case of a fire incident.
  • Provides financial protection in case your car gets stolen or for any damages to your car that occur as a result of attempted theft.

Comprehensive Car Insurance

  •  The maximum level of coverage under UK regulations. .
  • Covers your legal responsibility of property and vehicle damages to third parties.
  • Covers your own personal injury and vehicle damage costs arising from an accident, theft, or attempted theft.

Asda Car Insurance Optional Extras Include

Breakdown Assistance     

Asda car insurance also offers optional breakdown assistance as part of its policies. This coverage includes:

  • Road assistance from and to anywhere in the UK.
  • Coverage only costs you £27 a year.
  • You can make up to six call-outs in a year.
  • You must be more than a quarter mile away from your house to avail this service.
  • Your vehicle must not be more than 10 years old. Breakdown cover for older vehicles is available, but with other providers, not ASDA.

UK Breakdown Cover

  • Roadside assistance anywhere in the UK.
  • Coverage will cost you £78 a year.
  • You can make up to six call-outs in a year.
  • You don’t have to worry about how old your vehicle is.
  • Alternative transport or hire cars are a standard part of the coverage.

European Breakdown Cover

  • Road assistance in the UK as well as the entire continent.
  • Coverage will cost you £142 a year.
  • All benefits of UK breakdown cover included.
  • 180 days of coverage if your car breaks down while driving in Europe.
  • Coverage for trailers or caravans is also provided.

It’s important to understand that all breakdown coverage options are only available if your vehicle is insured, and personal cover only applies in the UK.

  •  24 hour UK-based claims helpline
  • If you use your ASDA Money Credit Card to buy your cover and you could get 5% cashback
  • You will get to a 24/7 legal assistance phone line

Asda also provides optional add-ons to customise your coverage according to your specific needs. You can have additional protection and enhance your overall car insurance coverage. These additional options include:

  • Legal expense cover
  • Key cover
  • Windscreen cover
  • Courtesy car 
  • Flexible payment plans, including pay monthly car insurance and other options.
  • 24/7 customer support

Tips for Reducing Car Insurance Costs

If you are receiving car insurance quotes that are outside your budget, you may wish to cider ways to make savings by taking the following steps

  • Blackbox : If the device shows you as low risk, you will benefit from future discounts. 
  • Change Insurance Bracket:  Moving to a car in a lower insurance bracket will bring savings, speak with your insurance provider first, so that they can advise potential savings.  
  • Increase the Excess :  Agreeing with your broker to be responsible for a voluntary excess in return for a lower insurance premium. 

From competitive coverage options and attractive add-ons to no-claims discounts and 24/7 customer support, Asda is a wise option for your road safety requirements. These coverage options are an essential inclusion to any vehicle insurance policy.

Getting out of Debt SolutionsDescriptionTerm
IVA or Individual Voluntary ArrangementThis is when you are able to agree a payback term with your creditor of a period of time. The payback term can vary, but is typically over a number of years1 to 5 years
Personal bankruptcyThis is an option only available in a situation that you are unable to pay off your debtors. This is best avoided if possible.12 Months
Debt Management Plan or DMPThis is an informal agreement reached between debtor and creditors to repay debt. The debt is normally non priority debts, examples include credit card debt and store cards or unsecured loansTo be agreed

Did you know?  The government offers free debt advice, follow this link for full details

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**51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices
quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are
dependent on your individual circumstances and how you selected your current insurance supplier.

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs.

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