Cars with free insurance

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

BuyaCar team
Mar 11, 2019

If you're looking for a brand new car, then finding one with free insurance could save you £1,000 or more 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. 

If you don't need a car straight away, then your best option may be to wait: it's difficult to find a car with genuinely free insurance at the moment, as manufacturers have been concentrating on promoting 0% APR finance offers.

If waiting isn't an option, then you may still be able to save with a fuel and go offer, also known as Just Add Fuel. These finance packages include the cost of insurance in your monthly payments, making it easier to budget. Prices are higher than with a standard finance agreement, but can still be better value than buying insurance separately.

Peugeot offers several cars on Just Add Fuel deals, starting at under £250 per month - depending on the cost of insurance. Citroen and DS have a similar scheme, known as SimplyDrive. Care by Volvo is another "all-inclusive" package, but prices are considerably more expensive, starting at £469 per month.

Both free insurance and Just Add Fuel deals are limited to brand new cars and can often be combined with other discounts. Even so, you're still likely to pay less by opting for a used car and arranging your own insurance. 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.

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

Cars with free insurance

Citroen C1 with insurance included

An affordable price and low insurance group makes the Citroen C1 one of the most popular cars available with Citroen's SimplyDrive package, which includes the cost of finance, insurance, servicing, tax and breakdown cover in one monthly payment.

This can be cheaper than arranging each element yourself, but it's worth checking to see if you can get a better deal yourself.
More details of Citroen SimplyDrive

then ask about SimplyDrive

Nearly new & used cars without SimplyDrive


Volkswagen Polo free insurance deal

A mini version of Volkswagen's Golf, the all-new Polo raises the bar when it comes to small car quality, with its soft-touch plastics, glass-finish touchscreen and comfortable seats. If you ordered one between April and June last year, and it’s due to be delivered before the end of March 2019, then you'll probably be eligible for a year’s free comprehensive insurance for buyers aged 18-80.

Drivers who have just passed their test and are under the age of 25 will need to have a black box fitted to the car. More experienced drivers in the same age bracket will need to download a phone app that monitors their driving.

Its too late to take advantage of the offer if you haven’t yet ordered a Polo, but the new car is available with significant discounts, while nearly-new Polos come with even larger savings.

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


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 DS 3 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


Citroen C3 with insurance included

Another Citroen available on the manufacturer's SimplyDrive scheme, the C3 offers more space than the C1 city car, as well as useful optional extras including an integrated dashboard camera.

Monthly costs are higher than those of the smaller C1, so most young drivers will pay between £300 and £350 per month. This drops to below £300 for some drivers aged 25 or over, but the exact price will depend on the insurance premium.
More details of Citroen 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 even a replacement windscreen if the original becomes chipped.

Prices are not cheap for a Volvo V60 Estate, starting at £469 per month. The package is based around a three year lease agreement, so you'll return your car at the end.

then ask about Care by Volvo

Nearly new & used cars without Care by Volvo


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