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Every parent remembers that first car journey home from the hospital, driving 20mph under the speed limit, convinced every other driver is a maniac. That hyper-awareness fades, but the stakes never do. Here's something that might surprise you: families with just one child pay £92 more annually for car insurance than childless drivers, and that figure climbs with each additional child.
Most parents know they need car insurance, but few understand what actually protects their family when it matters most. After reviewing current UK insurance data and comparing policies from major providers, we've identified the coverage types that genuinely benefit families versus the add-ons that simply inflate premiums.
This guide cuts through the jargon to show you exactly what matters when insuring a family car, from often-overlooked child seat replacement covers to the money-saving tactics that don't compromise your family's safety.
