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Car Insurance

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How We
Can Help

At Needham Insurance, we pride ourselves on providing you with the best and more cost effective cover you need. We have access to many policies and compare so that you do not have to. Our comprehensive knowledge in all insurance fields means that we will be able to help you every step of the way.

helping you with your car

Car Insurance

Car Insurance

Needham Insurance is a specialist insurance broker for Car insurance

We are able to cover any private motor car that you or your family may own. This includes performance cars, classic cars and any modified vehicles.

We are able to compare car insurance quotes to get the best possible affordable price for you, giving you the peace of mind that you are getting the right cover.

Whether you want to contact us with your current provider’s renewal quote or insure a new vehicle, then our advisors will be able to help.

“It all starts with a dream.”

Eugene Pelser

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Why Car Insurance

It is a legal requirement to have valid and sufficient car insurance cover for your vehicle (unless you have declared the vehicle off-road – SORN) and the level of cover is dependent upon your requirements.

Car insurance covers financial protection against damage against your vehicle and/or any liability that could arise. Furthermore, the insurance may offer financial protection against fire or theft of the vehicle.

Specific terms of the vehicle insurance will vary and please ensure that you make your requirements clear to our advisors when enquiring about the cover that you need.

Learner Driver Car Insurance

Learning to drive can be an exciting time, but having the right cover for you until you pass your test can take the shine off things.

At Needham Insurance, we have access to a scheme which provides cost-effective and affordable insurance for learner drivers.

Whether you are getting your parents to teach you or a close friend, you’re going to need the right insurance. To help, contact one of our advisers now, as we will be able to answer any of the questions you may have.

Young Driver Car Insurance

Congratulations, you’ve finally passed your test and cannot wait to hit the road in your very own car. Owning a car and insuring it can be an expensive and stressful start to becoming independent on the road.

Shopping around for car insurance can be a time-consuming task, therefore let us take the time to look for you; Needham Insurance have been given access to a scheme which provides cost-effective and affordable insurance for young drivers. Contact one of our advisers now and let us answer all the questions you may have and save money today!

Car Insurance

We are able to cover any private motor car that you or your family may own. This includes performance cars, classic cars and any modified vehicles.

We are able to compare car insurance quotes to get the best possible affordable price for you, giving you the peace of mind that you are getting the right cover.

Whether you want to contact us with your current provider’s renewal quote or insure a new vehicle, then our advisors will be able to help.  








we will assist you with any insurance needs you have

Click on the link below and complete the enquiry form today

We help you every step of the way

our Car Insurance Includes:

It is a legal requirement to have valid and sufficient car insurance cover for your vehicle and the level of cover is dependent upon your requirements.

Cover could include :-

1. Third party or Fully comprehensive
2. Windscreen cover
3. No claims protection

Comparing the insurance market to check that you get the best value insurance policy is vitally important because rates can vary massively. It’s also important to consider the differences in the cover available and consider whether you need professional insurance advice before making your choice.

To get the most accurate and affordable car insurance quote, there are a few things that we need to know.

  1. The car registration, the make, model and age of your vehicle that you would like to insure.
  2. The No Claims Discount (NCD) that you have. This will be in years and your current insurance provider will be able to provide you with the proof we need.
  3. Your driving history for the past 5 years. This includes any accidents, claims made on your insurance policy and driving convictions. It is paramount that you are honest as you could be invalidating your car insurance policy.
  4. How you use your car? Are you intending to use it for pleasure and commuting or for business use? We need to know this to ensure that you have the right policy.
  5. If you require anyone else to drive your vehicle then you must add them as additional drivers to your policy.
  6. And finally, we will need some personal details as well; your name, how old you are, where you live and your occupation.

Choosing the right kind of car, can help reduce the cost. The value of the car and the make and model can affect the cost of the insurance. A basic model, with a smaller engine will result in a lower premium, whereas a newer car, with a higher-powered engine will increase the cost.

Limiting your mileage can save money on insurance, as it reduces the risk of having an accident. Be careful and make sure the mileage is accurate, as false mileage can invalidate your policy. Consider increasing your voluntary excess. The more excess you are willing to pay in the event of a claim, the cheaper your insurance could be.

Building up your no claims discount can considerably save you money on car insurance. If have built up your no claims discount, you may wish considering no claims discount protection which allows you to make a claim and not lose your no claims discount.

Having a small device fitted to your car could help save money on the cost of your insurance. This is usually known as the “Black Box Policy” or “telematics insurance”, where the device will monitor how you drive. This information is then passed onto your insurance provider who may lower your costs as a reward.

Considering a Pass Plus driving qualification can help reduce the cost of your car insurance as this demonstrates that you are a competent safe and skilled driver. Furthermore, avoiding penalty points and speeding fines will keep the cost down.

Finding the most suitable cover for you depends very much on your circumstances and how much you can afford, nevertheless, you may wish to consider comprehensive cover as the most ideal as this covers all eventualities and therefore allowing you to concentrate on learning to drive.

As with all drivers, there are 3 ways to cover your car, these being, Third Party, Third Party fire & theft and Fully comprehensive.

Third party covers you if you cause damage to another person’s vehicle or cause injury to someone else. This is the most basic of cover and this is the most cost-effective way to build up your no claims discount.

Third party fire and theft covers you for third party, as well as if your car is damaged by fire or stolen.

Fully comprehensive will include all of the above cover as well as cover the damage on your own vehicle.

Statistically young drivers are more likely to be involved in an accident than older more experienced drivers. According to Brake, one in four 18-24 year olds are involved in a crash in the first 2 years of driving. In addition, as a new driver you will not have been able to build up no claims discount, which is a way of reducing insurance premiums.

Similar to all other drivers, there are 3 ways to cover your car as a young driver, these being, Third Party, Third Party fire & theft and Fully comprehensive.

Third party covers you if you cause damage to another person’s vehicle or cause injury to someone else. This is the most basic of cover and this is the most cost-effective way to build up your no claims discount.

Third party fire and theft covers you for third party, as well as if your car is damaged by fire or stolen.

Fully comprehensive will include all of the above cover as well as cover the damage on your own vehicle.

Cyber Insurance

Am I at risk of a cyber attack and more importantly am I covered?

With more and more business using the ‘digital world’ to run their business, it is now becoming important for businesses to understand the risks of being online. The biggest issue regarding cyber-attacks is we never know when they may affect business, how they will affect your business and the financial implications they may have on your business.

Read More »
Neal Lowe Managing Director

Welcome to Inspire Insurance Clients

I would like to welcome all clients from Inspire Insurance, me and my team will continue to help you with your insurance needs.

I want to make the transfer from Inspire Insurance to Needham Insurance as pain free as possible and we will arrange a simple and smooth transition for you so you can concentrate on your day job.

Read More »

Looking for something else?

Needham Insurance Offices

Personal Lines Office - Nuneaton

18 Arbury Road
Nuneaton
CV11 7NA


Business Lines Office - Nuneaton

Gethin House
36 Bond Street
Nuneaton
Warwickshire
CV11 4DA

Coventry Office

1 & 2 Westwood Business Park
Torwood Close
Coventry
CV4 8HX


Sheffield Office (Incorporating Baldersons)

772-774 Chesterfield Road
Sheffield
S8 0SF