Car Insurers Not on Comparison Sites

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Car insurers not on comparison websites

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Reviewed

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April 2024

Although comparison sites such as Multi Quote Time are very popular now, there are still some insurance providers who choose not to offer quotes on comparison platforms. As the goal is to compare to get the best deal, it is important to also visits these sites and also see what they can offer if you have the time.

Comparison sites are online platforms that allow people to easily compare prices between two or more insurance providers instead of getting quotes from these insurers individually. With a car insurance comparison site, all you have to do is fill in the requested details, and the platform will scan through the internet and return quotes from different car insurance companies to you. 

Usually, the results are presented on a page and are ranked by price so that people can find affordable insurance policies that meet their needs. However, not all insurance providers subscribe to the comparison site model because they believe that it is not a complete representation of what they can offer prospective customers. This is often the case for most car insurance companies that choose not to be on comparison sites, but there are other reasons, too.

Why are some car insurance companies not on comparison websites?

There are different reasons why some car insurance companies choose not to be featured on comparison sites. First, comparison sites may not be the marketing channels for some of these insurance providers, so they do not bother selling their insurance policies through this means. Secondly, they may want to cut the costs of their insurance services by removing the commissions paid to comparison sites.

Also, some top insurers choose to avoid price wars with no deposit car insurance operators that may affect the quality of their services and their level of coverage. In some cases, the car insurance companies not on comparison sites may also have very specialised expertise or offerings like classic car insurance, telematics insurance, or black box insurance that require them to reach their customers directly.

Now that that's out of the way, let's show you some providers on the internet that aren't on comparison sites.

Which providers aren’t listed on comparison websites?

Looking for a car insurance company that's not listed on comparison sites? Here you have them.


NFU Mutual has a network of over 280 agency offices in the UK. The car insurance cover of this insurance company is rated 5-star by Defaqto. NFU Mutual's car insurance policies fall under the motor insurance category.

According to the company, they have paid out 99% of car insurance claims based on settled claims from September 2017 to September 2023.


For the 19th year in a row, Defaqto has given Liverpool Victoria (LV) car insurance a 5-star rating. They offer specialised car insurance policies like electric car insurance, multi car insurance and learner car insurance.

You can speak with the company through the online live chat for any questions you have about their quote form and any other general inquiries about their products and services.


This company boasts of over 100 years of insurance industry experience. The Hiscox motor insurance is tailored to the needs of drivers of multiple high value cars.

Their specialised car insurance policy also comes with features that are not found in standard car insurance. They sell their insurance policies through a network of independent insurance brokers or through their Hiscox Private Client team.

Other unlisted car insurance providers include the likes of Adrian Flux, Chaucer Direct, Direct Line, Aviva, and Age Co.

Do I need to check car insurance that’s not on comparison sites?

While price comparison websites may not have quotes from these unlisted insurers, they can help you figure out the insurance rate you should expect for your policy. This will help you make an informed decision.

However, you should only use comparison sites as a guide. It is important to contact the insurer directly, especially if your insurance needs are non-standard, like car insurance without black box for young drivers.

This is because comparison sites may not request the right details needed to find you the right insurance policy for your situation. Check whatever quote you get against that of different insurers before making a decision. This will help you to choose the better deal at the best price.

How to secure insurance from an unlisted insurer on comparison websites

For car insurers that are not on comparison sites, the best way to reach them is to contact them directly for a quote. However, before you contact any unlisted car insurance provider, you'll need to evaluate your insurance needs.

Evaluating your insurance needs requires that you consider the level of car insurance coverage you need (third party only, third party, fire and theft or comprehensive), the type of car insurance product you need, and the possible extras you'll like to add to your policy. This will help you to choose and approach the car insurer that offers the specific type of insurance you need.

After you've decided what your insurance needs are, you'll need to visit the website of unlisted insurers or contact them to get multiple car insurance quotes that reflect their pricing structure and coverage options. Then, compare these monthly car insurance quotes to find cheap deals and pick out the one that suits your unique needs. Look out for possible claims discounts, and try as much as you can to tailor your policy to only include the coverage you truly need.

You can also use a car insurance calculator to get an estimate of your possible insurance premium based on your personalised specifications.

If I used a car insurance company that isn’t on comparison sites last year should I automatically accept their renewal quote?

It is always best to run a quick comparison rather than assuming you still have the most competitive quote on the market. New providers may have entered the market and premiums may have been reduced by some insurance companies in order to win new business.

As our company name suggests, we can provide multiple quotes. These quotes are provided by a panel of car insurance providers selected by SEPOA. The panel is able and willing to provide insurance with a CCJ order of those with a bad credit score. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!

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Not On Comparison Sites Car Insurance FAQs

What factors impact cost other than where you get quotes from?

The cost of car insurance will vary across a range of providers, but hey all use a common set of factors to determine the final policy cost, these include :

  • Age of Driver and occupation
  • Value of car to be insured
  • Location or Post Code
  • History of making claims

Why do some insurance providers choose Not to Offer quotes on Price comparison sites?

For some, it could be a way of staying exclusive and also avoid paying any commission charges for leads generated via a comparison site. When a comparison site provides a lead, the insurance company will pay a small commission amount for the lead or actual sale. This does not impact that the customer pays, but does reduce the profit that the insurance company makes.

These saving could then be passed on direct to the policyholder. As such, we would always advise getting quotes from both price comparison sites and also getting direct quotes for companies that choose not to be listed on price comparison sites.

**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.

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