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5 Small Cars That Are Cheap To Insure

Cars have made traveling much easier. We can now travel far distances in a short time thanks to these incredibly convenient inventions that so many seem to take for granted these days. While the ever-evolving enhancements being made on cars are improving the comfort and safety of our travels, cars are also becoming more expensive to keep on the road. Tax, Insurance, MOT, fuel, and their parts can be pretty expensive too.

Don’t worry too much though, this list of 5 small UK cars with cheap insurance costs (another list here) will help keep the price of motoring down a bit. Among other things, increasing your no claims bonus should help lower your insurance premiums further.

one of the smallest cars in the world UK


#5. Nissan Micra


The newer models of Nissan Micra have various litres of turbocharged engines available and a sharp, sporty design. No more bubbly ladybird body for the Micra. It is one of the best mini cars available at a very decent price. It has engines that sit within the 70 – 89 bhp range that have been proven to give a respectable amount mileage per gallon, especially the smaller engined examples. 104 Nm of torque is produced by the Micra with an engine displacement of 1198 cc. Go for one of the lower CC petrol or diesel models and the insurance is very cheap. Good safety features are also present in the new Micras.

#4. Hyundai i10


The Hyundai i10 is a combination of great value for money, style and comfort. This model of Hyundai is one of the smallest made by the company, but owning it could make you come to the conclusion that you do not need anything else. Just like many owner reviews have stated. The i10 is a tidy small car with a small engine, good safety score, and its reliable. It sits in 6th place out of the top 100 UK cars on reliabilityindex.com. Add to that the cheap insurance brackets throughout the range and the i10 is a very smart choice.

#3. Toyota Yaris - Best Choice*


Another small car that is affordable and reliable, Toyota Yaris gives you a quality drive. I should know, I've owned several over the years. Although they have been older models, so the "best choice" is rather bias. However, they have an excellent track record and are capable of high mileage.

Some of the newer models comes with a hybrid option. This model has an engine that is efficient enough to provide you 209 bhp. I believe it is the only mini car that really stands out in the market place with a petrol-electric engine. Although, bear in mind that a car with 209 BHP is not going to be the cheapest to insure. However, there are many new-shape Yaris' (1.0L - 1.2L) that are situated in much lower insurance groups. And the Toyota brand overall is still well up there at the top of the reliability ratings.

#2. Ford Ka+


Looking more like a lean mini Fiesta than an old shaped KA, this is a small city car that gives some good competition to all the mini cars in the market. While it is a budget car, it comes with some great features, such as auto start - stop (turns the engine off automatically when car is stationary), SYNC 3 (voice controlled technology for Smartphones, stereo, etc) and lots of cutting edge built-in safety equipment. It gives you a smooth ride and is easy to handle. Most models of KA+ are cheap to insure.

#1. Volkswagen Polo


The Volkswagen Polo is the perfect example of a sophisticated small car. It is one of the classiest minicars sold in the UK. It gives strong competition to all small premium cars. Looking more like a Golf, the Polo is deceptively spacious. The 2019 model has been given the top prize by WhatCar? as the best small car of the year. Although only available with 5 doors, so not one of the smallest on this list, the potentially low insurance groups, super smart technology, and high level safety features definitely makes it worthy to be on this list.

AXA Car Insurance Bad Customer Service

Sent in by a visitor. AXA Car insurance has some of the worst customer service I have ever had the misfortune of having to deal with. None of the departments that deal with accident claims seem to know the right department to put me through to. It appears to be so unorganised that its been close to impossible to get the answer to what should be a very simple query. The funny thing is, I'm not even insured by AXA. It's the person who caused the accident who is insured by AXA. I'm the third-party.

AXA-Insurance-crash-test

But still, having to go through them in order to get the matter resolved has been met with stumbling blocks all the way. They have dragged their heels at almost every step. From taking a long time to make first contact after the crash (with me having to re-contact the person at fault in order for them to ask their car insurance company (AXA) why they haven't made contact with me), to paying me the settlement for my car being a total loss. Everything has been so slow.

But the worst and most shocking thing about dealing with AXA has been trying to establish what address to write on the online form that notifies the DVLA that the car has been written off. Or in my case, sold to the AXA Insurance company. Failure to inform the DVLA can result in a one thousand pound fine. I'm not sure what the timeframe is for notification but with AXA not replying to emails, and with it being near impossible to phone and get put through to the right department that knows the answer to this question, weeks were going by and I was no nearer to finding the answer.

car-accident-motorway-rolled-roof

Every phone number that I was given by AXA employees, who said to call them if there was anything I needed help with, all said the same thing. Either "This isn't the right department", and I'll have to transfer you (which still didn't help resolve the issue because the other department didn't know the answer either), or "We can't find you on the system", even though I gave them all the reference numbers I had been given by AXA. Some of their staff were also quite rude. Their telephone manner was generally abrupt.

To get the answer to this simple question (What address to use to inform the DVLA AXA had bought my total loss car), it took several weeks. Many ignored emails later, and phone calls which resulted in me being left on hold for over 1 hour each time and being so annoyed I eventually had to hang up. One day I thought to myself; Today I need the answer and I'm not getting off the phone with AXA until I have it. For the final call I had to be transferred to at least five different departments, spanning what appeared to be by the change of accents, the whole breadth of the UK, and spent another full hour on the phone.

After each representative claimed its was not their area of expertise and palming the problem off to another department (left on hold every time), the end result was the correct address. But wow, what a nightmare company to have to deal with. Overall this was a very shocking and disappointing experience, and I'm glad that I don't use AXA for my own car insurance.

The key realisation that I came away with after this experience, is that when it comes to car insurance companies, if you have trouble with your own company and feel like they are not providing a very good service, you can always change and go with someone else. But when its the car insurance of the other party, in my case the person responsible for the crash, and you have to go through them to resolve the matter, you are basically forced to have to deal with them no matter how terrible they turn out to be. If you want to share your experience of dealing with a car insurance company, good or bad. Let us know.