Cars with free insurance

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

BuyaCar team
Jul 9, 2018

There's always some sort of deal available on a new car, but few that are as handy as a full year's free insurance, which could save you more than £1,000 in your first year of ownership.

Without a large insurance bill to cover, you could have a bigger deposit for a finance deal and upgrade to a higher-specification model - or save up for the following year's policy.

All manufacturer free insurance offers are limited to brand new cars and can often be combined with other discounts. This may make a new car, with the latest technology and safety features, cheaper than a used one, but that's not always the case.

The following cars are currently available with free insurance:

The offers are open to drivers aged 18 or over. Young drivers, who tend to have the largest premiums, can save most from these promotions but may need a black box fitted to monitor their driving. A clean driving record is usually required too. The promotion is worth less if you’re an experienced motorist with a low premium. In fact, you may be able to save more on the same car by choosing a different deal with a larger cash discount.

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.

All deals come with their own terms and conditions, which you’ll need to check before signing up.


Cars with 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 October 1 and have it delivered by the end of December to qualify for a year's free insurance - as long as the terms and conditions allow. You'll need to be aged between 18 and 75. Young and inexperienced drivers will need to fit a black box to monitor their driving, and few motoring convictions are allowed.

In addition, the Seat Ibiza is currently available with discounts of around 15 per cent, which cut the starting price to below £13,000. Certain savings may not be available in conjunction with free insurance, so you'll need to check the exact price. Manufacturer finance is available too, but free insurance isn’t available with leasing.

then ask about free insurance

Nearly new & used cars without 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.

Unfortunately, the free insurance offer is now closed to new orders. If you have already put a deposit down for a Polo, then you may qualify but the car must be delivered before the end of September.

The year's free comprehensive insurance is 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.

The offer is available across the Polo range, but the sportiest Polo GTI is not available with free insurance if you are under 25.

Even if you have missed out on the free insurance deal, there are still excellent savings available on the VW Polo. Some brand new discounts are worth more than £2,000, while nearly-new VW Polos start at around £11,500 or £159 per month with a representative finance agreement.


Nearly new & used cars without free insurance


Mini Hatchback free insurance deal

The Mini Hatchback has just been updated, which means that every car now gets a dashboard screen, new technology options and rear lights containing the outline of the Union Flag.

It’s as distinctive as ever and remains fun to drive, thanks to its zippy engines and nimble cornering. And if you've already placed an order for a brand new Mini, then you may well be eligible for what the company's calling a year’s optional inclusive insurance. Qualifying drivers who lease or finance a Mini One Hatchback (either the 3- or 5-door car), will receive a year’s comprehensive insurance. The image above shows the higher-specification Cooper S.

It's too late if you haven't already reserved your car; if you have, then it must be delivered by the end of September. It’s open to drivers aged 18 to 80; restrictions include a limit of three points on your licence and no serious driving convictions. Under-25s with less than three years’ driving experience will need a black box fitted to the car; you’ll need to download a phone app to monitor your driving if you’ve had your licence for more than three years and are under 25.

Nearly new & used cars without free insurance


Peugeot 208 with insurance included

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.
More details of Peugeot Just Add Fuel

then ask about Just Add Fuel

Nearly new & used cars without Just Add Fuel


Citroen C3 with insurance included

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.
More details of Citroen SimplyDrive

then ask about SimplyDrive

Nearly new & used cars without SimplyDrive


DS3 with insurance included

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.
More details of DS SimplyDrive

then ask about SimplyDrive

Nearly new & used cars without SimplyDrive


Volvo XC40 & V60 with insurance included

Volvo's free insurance package is aimed less at saving you money than reducing the hassle of having a car. The Care by Volvo package includes insurance, servicing, repair costs, replacement tyres, breakdown cover and a different car for at least a week each year - if you need a larger vehicle to go on holiday, for example. Drivers inside the M25 also benefit from a concierge service. You can use it to book a table at a restaurant or send directions to your sat-nav. The car will also be collected and returned to your door when it needs servicing.

Prices are not cheap, starting at £799 per month. The package is based around a one- or two-year lease agreement, so you'll return your car at the end.

Nearly new & used cars without Volvo Care


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