Do I need Life Insurance when buying a Car ?


Car Buyers & Life Insurance Quotes

If you are just in the process of buying a new car or already bought the car, then congratulations. This is one of life stressful events due to the time & effort it often takes to find your ideal car. As such, you may be also thinking about getting a suitable Insurance policy to help protect these payments.

Do I need Life Insurance when I buy a Car ?

This is one of the most expensive purchases we make in our lifetimes & so for many they can only afford fund it via a bank / building society loan or similar. Who would make the payments if you were no longer around but your family still needed use of the vehicle ?

Will my Car Insurance policy also include Life Insurance ?

The majority of car insurance policies focus on insuring the vehicle and not the person behind the wheel. They may include basic Personal Accident or Death cover upto to say £5000 which could help toward funeral costs. Some may include a limited amount toward medical costs or emergency treatment.

How much Life Insurance do you need - when buying a Car ?

There is no set formula, as each family situation is different ie; you maybe single or married, with a partner and have dependants. But maybe consider 3 things: Firstly Repay the Car Loan or other debts such as a Mortgage if you have one. If you have dependants - Income to help cover all ongoing monthly bills & expenses. Lump sum backup for say future educational needs or holidays   

Can I buy a Life Insurance Policy with my parter - if not married ?

Yes but UK Insurance rules state there must be an insurable interest between partners to arrange a life insurance policy. You can always arrange a single policy. Also both parties must consent to this arrangement. You don't have to be married to get a life insurance on someone.

Can I get a Life Insurance on my Wife/Girlfriend without her knowing ?

No - both parties must consent to this arrangement to life insurance ie; you cannot just apply on their behalf without their knowledge.

Can I put my Wife/Girlfriend on my Life Insurance Policy ?

As above - UK Insurance rules state there must be an insurable interest between yourself and/or girlfriend to add her to your life insurance policy ie; if you have a baby together that is Ok.

Can my Wife/Girlfriend be my Life Insurance Beneficiary ?

Yes they can - if you wish to. Either you or your partner can own seperate or joint life insurance plans directly; [ see comments above re Insurable interest ]. Note however if you split up though this can cause issues with the insurer having to undue this arrangement & may require additional legal costs by you seeking specialist advice. The alternative is to put the policy into trust for them as the beneficiary.

 Let trying to get life insurance when buying a car hopefully not be another great challenge. Either way please approach us for friendly Professional Help



Designed to cover a repayment car loan on death or critical illness as it decreases during the plan term.

LIFE INSURANCE - for Car Buyers

Offering a family protection lump sum if the policy holder dies or is diagnosed with a terminal illness during the term of the car loan. 


Offering family protection via an income if the policy holder dies or is diagnosed with a terminal illness during the term of the car loan. 

                                                                   Life Insurance Quotes for People buying a Car


Helps ease financial worries if you are diagnosed with a critical illness as specified by the  Insurance Company. Dependant on your disability, you may still be able to get cover. 


Helps ease financial worries if your child is diagnosed with a critical illness as specified by the Insurance Company.


Providing security by way of an income if you are off sick or have an accident to help pay the car loan payments plus other bills and expenses.  

Compare - Car Buyers Life Insurance Cover

Compare Car Buyers - Life Assurance Policy Cover

Do you need Life Assurance Cover when buying a Car ?

Why are you comparing ~ Life Insurance if buying a Car ?

Car Buyers & Life Insurance Quotes - Review 


Broker advice comparing Car Buyers and Life Insurance



Do People need Life Insurance when you buy a car ?
Car Purchasers & Life Assurance

Car Buyers & Life Insurance Quotes




Income Protection
Critical Illness
Life Insurance Quote
Term Life Cover QUOTE
Buying Life Insurance - FAQ
Over 50 - Whole Life Insurance QUOTE
Over 50 - Term Life Cover QUOTE
Over 40 - Life Insurance QUOTE
Life Insurance is a Waste of Money
How many Life Insurance can I have ?
What are the 3 types of Life Insurance
Is Life Insurance Worth Getting ?
Family Income Benefit Insurance - FAQ
Business Protection - FAQ
Small Business Insurance QUOTE
Health Underwriting Problems - FAQ
Top 10 Tips Life Insurances
Mortgage Protection
Compare Insurer


Linkedin Martyn Spencer Calculate Button 1 Broker Help ~ Life Insurance Cover Quotes Insurance Take Care of YourselfGreat Ormond Street Charity FundraiserUk Life Insurance Quotes 2020

This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. 
For protection we offer products based on a fair and personal analysis

By completing one of our no obligation quotation request forms, you may be provided with comparison protection quotes, key facts from leading Providers - based just on the basic information you have provided. Note: These quotes will not take account of any personal, health or lifestyle issues unless a full application is completed. You also consent for us to then kindly contact you by phone - where we may offer Professional Broker help & guidance if needed. We may as appropriate then help to arrange a suitable protection policy based upon your own circumstances & needs after a further review by "advice & recommendation". This will usually be on a non face to face basis. ‘As with all insurance policies, conditions and exclusions will apply’

 For products with an investment element we will introduce you to an authorised adviser. We act as introducers for Accident, Sickness and Unemployment and Mortgage Payment Protection Insurance plans. We may also introduce you to other selected professional partners for other protection or legal products as deemed appropriate. Online Dispute Resolution (ODR) - Financial Ombudsman. We nominate to fundraise for Great Ormond Street Hospital Charity.

UK Life Insurance Quotes is a trading style of Martyn Spencer which is an appointed representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority FCA. FCA Register No: 416331

Secure Data Protection Here at Uk Life Insurance Quotes we take your privacy seriously. Subject to GDPR rules 2018 - We will only use your personal details provided to help provide & arrange the various products & services you have requested via us as brokers. We are registered to comply with the GDPR / Personal information is secure online, not misused or sent via spam. T&C:Cookies   
* Note: re any 3'rd Party Website links - You are now leaving the regulated site of Uk Life Insurance Quotes.
Neither ourselves, nor
Stonebridge Mortgage Solutions Ltd, is responsible for the accuracy of the information contained within the linked site. 
Uk Life Insurance Quotes 2022
Broker Registered Office: Clyde Cottages Stafford ST20 0BU