The Best New Cars That Come With Free Insurance

Renowned as one of the safest cars on the market, the stylish Volvo XC40 is a superb all-rounder of a crossover that comes with excellent safety features and a strong list of driver’s assists. It’s a confident car on the road and surprisingly capable off-road, with a good four-wheel drive system and decent ground clearance.

It comes with a nice range of powertrains too, including petrol, plug-in hybrid, and full electric, offering some impressive figures for fuel economy.

The XC40 is also available with the Care by Volvo package, which covers insurance, breakdown cover, servicing, and repair costs. This even includes tyre replacements, wear and tear, and the replacement of cracked windscreens, all for a monthly fee.

The dinky Citroen C1 is an enjoyable little auto with lots of personality, aided by a wealth of personalisation options that allow you to configure the vehicle to your tastes and style. It offers a good driving experience, sprightly handling, and frugal engines for cheap day-to-day running costs.

It also shares a platform with the Peugeot 108 and the Toyota Aygo, all of which are very similar to one another – a point that allows buyers to increase their scope to find the best deal on the market.

With models bought on or after January 1^st 2020, you can also find the C1 available with free insurance for the first year. This is typically with a four-year PCP finance contract (with a 10,000 mile per year limit and a £53 deposit).

Sister car to the Citroen C1, the Peugeot 108 shares many of the same characteristics, but still manages to have a personality of its own, thanks to its light steering and tight turning circle, which add to a go-kart like feel and a fun driving experience. The 108 also has the funkier styling compared to its siblings – a point that adds to its attraction.

Like its platform sharing cars, it offers low running costs and a nice range of frugal engines. Again, if you like the look of this city car it is always worth checking out the Toyota Aygo and Citroen C1 to see if you can get an even better deal. On the other hand, you might want to stick with the 108 for Peugeot’s package, which combines the finance cost, insurance and breakdown cover, servicing and taxing, all for one monthly fee.

Based on the Volkswagen Group’s New Small Family (NSF) platform, the VW Up is also a small city car with siblings sharing similar architecture, this time with the Skoda Citigo and Seat Mii. As you’d want from this class of vehicle, the Up is light and sprightly for city driving and is cheap to run with good fuel economy.

It comes well-equipped as standard and is available with various personalisation options too.

Being a smaller car, it also sits in insurance group 1, the cheapest insurance bracket available. You can often find deals for the VW Up that offer the first year of insurance free, whether as part of the finance package or a PCP contract.

The Volvo V60 is a leading estate that is very comfortable to drive and very practical, with a large boot and lots of hidden storage spaces and cubbies.

It has a high-end cabin with good levels of refinement, and it comes with a wealth of safety features, including Volvo’s excellent City Safety system, which allows the V60 to detect cars, pedestrians, and animals, and respond accordingly to help avoid a collision.

In addition, for a monthly fee it is available with the ‘Care by Volvo’ package that allows you to focus on the road ahead, covering everything from insurance, to breakdown cover, servicing, repair, wear and tear, tyre replacements, and the replacement of cracked windscreens.

One of the most popular cars in the UK and one of Volkswagen’s longest running models (having been on sale since 1975), the VW Polo is a premium supermini that often tops numerous ‘best of’ lists and ‘top 10s’. And it’s very easy to see why.

It has excellent styling, strong build quality, high levels of reliability, and an upmarket cabin finished to a high standard.

It’s also great to drive, with low running costs and a host of useful safety tech, including autonomous emergency breaking (AEB) and automatic headlights.

With a more frugal engine equipped, it also qualifies for group 1 insurance. You can often find deals to have the first year’s insurance for free as well.

The Suzuki Ignis is a characterful city car with chunky SUV looks. It is a stylish vehicle that offers a lightweight build for driving around town and excellent fuel economy. It is available as a mild hybrid and as a 4×4 for those who want a city car with extra grip and traction in poor weather.

Inside, the Ignis is spacious and comfortable and surprisingly practical considering its outward dimensions. It comes well-equipped as standard and it has a strong reliability record. The cheap to run car is also good to drive.

Plus, you can often find offers for free insurance for the first year, although as always terms, conditions, and criteria usually apply.

The Fiat 500 is one of the most iconic city cars on the market, with playful looks and a lot of character. Whilst it might not be the most practical vehicle on this list, it certainly makes up for it with just how stylish it looks. In fact, the 500 is as much a fashion accessory as it is an auto. But that’s not all it has going for it. It is also perfect for city driving, with its small dimensions allowing you to park in tighter spaces with ease.

It comes with a long list of personalisation options and it’s even available as a very cute convertible, which certainly looks the part for a summer’s day at the beach.

You can enjoy it as a mild hybrid too, for even cheaper running costs. And because it is seen as an iconic vehicle, the Fiat 500 has good residual value on the used car market as well.

The Seat Ibiza is a solidly built supermini that gets the most important facet right: it is quite simply fun to drive. On top of those strong foundations, the car adds stylish good looks, a spacious cabin that is comfortable enough to seat four adults, and good levels of practicality with a sizeable boot.

It also comes equipped with a handy 6.5-inch touchscreen as standard, including Bluetooth, Apple CarPlay, and Android Auto.

The car typical sits in the group 2 insurance bracket, but you can still find plenty of deals when bought new that offer the first year’s insurance for free.

Introduced way back in 1976, the long-running Ford Fiesta is a very popular car that receives a lot of praise. And rightly so, it is a consistent front runner of the pack.

Most importantly, it is one of the most fun cars to drive in its class and it has some of the best handling too. Plus, it has a good reliability rating and it comes well-equipped as standard, including an 8-inch touchscreen with Apple CarPlay and Android Auto.

It’s cheap to run and when equipped with one of the more frugal and efficient engines, it can also sit in the group 2 insurance bracket.

Best of all, Ford usually have a wide variety of promotions that run all year round, so it’s not hard to find an option with free insurance for the first year.