Motor insurance: what changes in 2026

Motor insurance is mandatory and a real part of your on-road and renewal costs. Understanding cover types and key add-ons helps you protect the car without overpaying.

Cover types

Third-party cover is the legal minimum; comprehensive cover also protects your own car. For new and high-value cars, comprehensive with the right add-ons is usually worth it.

Add-ons that matter

Zero-depreciation, engine protection (useful in flood-prone areas), roadside assistance and return-to-invoice can be valuable. Match add-ons to your usage and car value rather than buying everything.

Compare variants and check your city’s on-road price on QLOCar before you decide.