Cars with free insurance

Save on a brand new car AND get free insurance with these limited time offers

BuyaCar team
Feb 15, 2018

Find a car that comes with a year's free insurance and you could take a huge chunk out of your motoring costs. Some drivers can save more than £1,000 on their premium.

You'll also get one of the very latest models, with up-to-date technology and modern safety features, plus the new '18' number plate that will be fitted to every new car from March.

The savings don't end there either, with many new car discounts available alongside free insurance offers too. Taking advantage of the full package of discounts could make a brand new car cheaper than a nearly new model.

Our full guide of cars with free insurance below includes the recently-launched Volkswagen Polo and Seat Ibiza, whch are available to drivers from the age of 18.

Other manufacturers, including Citroen and Peugeot offer finance packages, known as Just Add Fuel deals that include insurance as part of your monthly instalment. Prices are higher than with a standard finance agreement, but can still be better value than buying insurance separately.

Young drivers can make the biggest savings if they qualify for the promotion but may need a black box fitted to monitor their driving. More experienced motorists, with lower premiums, should check whether they could save more by declining free insurance, as they might get a bigger new car discount that outweighs the price of their annual premium.

You'll usually need a fairly clean driving record to qualify for a free insurance deal and there several other terms and conditions that differ between manufacturers, so you should request the full details before you place any order.


Cars with free insurance

Volkswagen Polo free insurance deal

A mini version of Volkswagen's Golf, the all-new Polo raises the bar when it comes to supermini quality, with its soft-touch plastics, glass-finish touchscreen and comfortable seats.

With this, comes a year's free comprehensive insurance for buyers aged 18-80. If you've just passed your test and are under the age of 25, then a black box will be fitted to the car. More experienced drivers in the same age bracket will need to download a phone app that monitors their driving.

You'll need to order your car before April 1 and have it delivered before the end of June to qualify. The offer is available across the Polo range, but the sportiest Polo GTI is not available with free insurance if you are under 25.

Discounts on the new Polo can rise to more than £3,000. You may not get the full saving if you also take the free insurance offer, but you are still likely to benefit from a substantial reduction.

then ask about free insurance

Nearly new & used cars without free insurance


Seat Ibiza free insurance deal

The new Seat Ibiza is one of the best superminis that you can buy. It's spacious, comfortable and nippy, as well as offering up-to-date technology. All but entry level-cars have a dashboard touchscreen with Apple CarPlay and Android Auto, while advanced safety features are available.

Order an Ibiza before April 3 and you'll be eligible for a year's free insurance - as long as the terms and conditions allow. You'll need to be aged between 18 and 80. Young and inexperienced drivers will need to fit a black box to monitor their driving, and few motoring convictions are allowed.

You'll also benefit from generous discounts that bring the price of the entry-level Ibiza S down to under £11,000 and reduce the cost of the mid-range Ibiza 1.0 95 SE to less than £12,000, saving £2,700. Manufacturer finance is available too.

If your insurance premium for the car would be lower than £420, then you may save more by buying your own insurance and taking advantage of larger discounts that aren't available in conjunction with the offer. You can ask for two different quotes to compare.

then ask about free insurance

Nearly new & used cars without free insurance


Renault Clio free insurance deal

Big discounts on the Renault Clio make this supermini good value, even before you factor in the year's free insurance that's offered on most models if you order before the end of March.

Its distinctive looks, neatly-designed interior and comfortable ride make the Clio a popular choice. Discounts of more than £2,000 cut the cost of a mid-range Dynamique Nav car, which includes air conditioning, sat-nav and automatic headlights as standard, to little more than £12,000.

Free insurance is available on cars that are bought on finance. Drivers must be between the age of 21 and 79, and have at least one year's no claims discount. Almost all Clios are included, with the exception of entry-level Expression and top-of-the-range Renault Sport models, and your car must be delivered before the end of June to qualify.

then ask about free insurance

Nearly new & used cars without free insurance


Peugeot 208

The 208 is just one of the Peugeots available on the company’s Just Add Fuel scheme, which combines the cost of financing, servicing and taxing your car, plus breakdown cover and insurance into one monthly payment.

It’s not free insurance as such, because the payments rise for higher risk drivers. But it can be a cheap option, particularly for young motorists. Premiums are fixed for three years as long as your circumstances don’t change.
See more details of Peugeot Just Add Fuel

then ask about Just Add Fuel

Nearly new & used cars without Just Add Fuel


Citroen C3

Insurance with the Citroen C3 doesn’t so much come free as included in a fixed price, as part of Citroen’s SimplyDrive programme - which also includes other cars in Citroen’s range.

In the same way as Peugeot’s Just Add Fuel offer, this rolls your car finance payments together with tax, servicing, insurance and breakdown cover, so you only have to make one payment a month to cover them all. Young drivers can save on insurance costs this way.
See more details of Citroen SimplyDrive

then ask about SimplyDrive

Nearly new & used cars without SimplyDrive



DS is part of the same company as Peugeot and Citroen, so its cars are available with a SimplyDrive agreement, which includes insurance - as well as tax, servicing, breakdown cover and finance payments - in one monthly amount.

The DS3 is just one of the models available. It's the same concept as Peugeot's Just Add Fuel, and can cut insurance costs, but higher risk drivers will pay more than low-risk motorists.
See more details of DS SimplyDrive

then ask about SimplyDrive

Nearly new & used cars without SimplyDrive


Volvo XC40

Volvo's offer may not strike you as a particularly good deal, even if your insurance premiums are sky-high because you'll have to pay £629 a month to lease the new XC40. This Care by Volvo package does cover everything that you would imagine and more - including a concierge who can pick up your car and refuel it for you (you'll need to pay for the petrol or diesel). Insurance is part of the two-year leasing deal as well.

Unsurprisingly, it's being marketed on its convenience rather than cost. At first, you'll only be able to take advantage if you are 25 or over and live within the M25.

See more details of Care by Volvo

Nearly new & used cars without Volvo Care


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