Car insurance can often add a sizeable sum to your motoring outgoings. Fortunately, some car manufacturers offer to chip in with insurance contributions and free policies to help get you up and running. Here’s a full list of cars you can currently buy with free insurance. Once you’ve found the one for you, click ‘login’ on carwow’s homepage to sign up and configure a new car or browse our used stock cars – chances are you’ll make a great saving on the price of the car as well as getting free insurance.
A number of these offers require you to buy a car through a Personal Contract Purchase (PCP) finance agreement. These deals involve an initial deposit and a series of monthly payments over an agreed period. Like any form of personal finance, you should carefully consider the terms of a contract before signing. Our dedicated personal contract purchase guide will give you more information while our PCP calculator can give you a better idea how much your new car will cost each month.
[2018 update: Volvo has thrown its hat into the free-insurance ring by offering free cover on its stylish new XC40 SUV. Citroen has also extended its free insurance offer to include the funky C3 Aircross while other manufacturers with similar deals include VW, SEAT, Renault and Peugeot.]
- VW models with free insurance
- SEAT models with free insurance
- Renault models with free insurance
- Peugeot models with free insurance
- Citroen models with free insurance
- Volvo models with free insurance
Cars with free insurance
Volkswagen – insurance included in PCP deal
A year’s insurance is thrown in across the Polo range for drivers aged 18+. If you’re aged 18-24 and have held your licence for 1-2 years, a black box device needs to be fitted, while if you’re 19-24 and have held your licence for two or more years, you’ll need to use a telematics insurance app. If you’re aged 25-80 you don’t need one.
There’s no option to have a black box fitted to the Up so you’ll have to be 19 to be eligible. Polo GTI and BlueGT models are excluded from this offer for 18-24 year olds. These details have been obtained from the VW finance website.
SEAT – insurance included in PCP deal
SEAT will also offer a year’s free comprehensive insurance on the Ibiza if you order before 30 June 2018, and you’ll need a telematics app if you’re aged 18-24. These details have been obtained from the SEAT finance website.
Renault – insurance included in PCP deal
Renault currently has a great deal on the popular Clio small family car – not only is there free insurance for a year, but it’s also available with no-deposit or 0% finance. It’s offered on all models excluding Expression and RS. You have to be aged between 21-79 and have at least a year’s no claims bonus to be eligible for this scheme. These details have been obtained from the Renault Clio finance page.
Peugeot – insurance included in PCP deal
Peugeot’s popular Just Add Fuel deal could offer a simple way into new car ownership. This three-year PCP deal combines insurance, road tax, servicing and warranty costs into a single monthly payment.
The offer is available on a wide range of new Peugeot models. The 108, 208, 2008, 308 hatchback and 308 SW Estate all qualify – even the French brand’s 208 GTi hot hatch and high-riding 5008 SUV are included. If you’re aged between 18 and 21 then you must have a telematics black box fitted to your car, however, to benefit from this deal. These details have been obtained from the Peugeot finance website.
Citroen – insurance included in PCP deal
Citroen’s Simply Drive – like Peugeot’s Just Add Fuel – allows you to get behind the wheel of almost all of the French brand’s new cars without the worry of additional insurance, road tax or servicing costs. Drivers aged 18 can be covered on any C1, C3, C3 Aircross or C4 Cactus model but will be required to install a telematics box, and must not have any driving convictions.
This PCP deal will cover the cost of your motoring related outgoings – except for fuel costs – for a three-year period, after which you’ll be given the option to upgrade to a new car, or pay a final balloon payment to keep your existing vehicle. Full terms and conditions are available on the Citroen Finance website.
Volvo – insurance included in PCP deal
Volvo is currently offering free insurance on the XC40 SUV as part of its Car by Volvo scheme. This deal is open to all drivers aged between 25 and 79 years old who have held a full driving licence for at least two years and have a full year’s no-claims discount.
The Care by Volvo service covers the cost of road tax, servicing, windscreen repairs and insurance for your new car as part of a PCP agreement. When your PCP period ends, you’ll be able to buy your car outright for a final balloon payment or return it with nothing else to pay. at no extra cost.
Save money on your next new car
For more information, take a look at our independent guide to car insurance. Our new car deals page will highlight the best current offers and show you how much you could save. Still not sure what you’d like? Use our car chooser to narrow down your search or use our PCP calculator to get a better idea exactly how much your new car could cost.