Which Is the Cheapest Impounded Car Insurance?

So, your car’s been impounded. It’s already a nightmare, and now you’re staring down the cost of insurance on top of the release fees and daily storage charges. Let’s be honest; you don’t just want impounded car insurance, you want the cheapest impounded car insurance.

Makes sense. Nobody wants to spend more than they have to, especially when it feels like you’re paying just to get your own car back. But here’s the thing; cheapest doesn’t always mean best, and there are a few things you probably need to know before you go hunting for the lowest price.

Let’s break it down.

How Much Does Impounded Car Insurance Actually Cost?

There’s no fixed price for impounded car insurance because it depends on a few key factors, including:

• Why your car was impounded – If it was for something minor, like unpaid tax, it might be cheaper than if it was seized for driving without insurance.
• Your driving history – Points on your licence? Previous claims? Insurers will factor that in.
• Your age and experience – Younger drivers often get charged more because they’re seen as higher risk.
• The insurer you choose – Some providers specialise in impounded car cover, whilst others charge a fortune (or won’t cover it at all).
• Your location – Some areas have higher risks for insurers, which could push your price up.

On average, you’re looking at anywhere between £200 and £600 for a 30-day impounded car insurance policy. Yes, it’s pricey; but it’s often the only way to get your car back.

Where Can You Find the Cheapest Impounded Car Insurance?

If you’ve started searching, you’ve probably realised one thing; not every insurer offers impound cover.

Forget about calling the big-name insurance companies. Most of them will say no outright. Instead, you might need to look for specialist insurers that deal with high-risk policies.

Here’s where to start:

• Look for Impounded Car Insurance Specialists – Some companies specifically offer impound cover, and they tend to have better rates than mainstream insurers (who don’t really want your business anyway).
• Compare Quotes from Different Providers – Prices vary massively from one insurer to another. One company might quote you £400, whilst another will offer the same cover for £250. Don’t just go with the first quote you get.
• Go Through a Broker – Brokers can sometimes find you a cheaper deal because they have access to policies that aren’t available to the public. If you’re struggling, it’s worth giving them a try.
• Avoid Extras You Don’t Need – Some insurers will try to sell you add-ons that aren’t necessary. You just need a 30-day third-party policy that explicitly states it covers impound release. Anything else is just extra cost.

Can You Get One-Day Impounded Car Insurance?

Wouldn’t that be nice? Unfortunately, one-day or short-term policies won’t be accepted by the police pound.

To release your car, you may need an insurance policy that lasts at least 30 days. If an insurer tries to sell you a one-day or seven-day policy for impound release, walk away; it won’t work, and you’ll just waste money.

How to Keep Costs Down

If you’re trying to get the cheapest impounded car insurance possible, here are a few tricks that might help:

• Pay in full – Some insurers charge extra if you want to pay in instalments.
• Get quotes at the right time – Prices can fluctuate, so if you’re able to get multiple quotes at different times of the day, do it.
• Check if your existing insurer can help – Some policies allow temporary adjustments (though it’s rare).
• Be honest – Lying about your situation to get a cheaper quote will only backfire if the insurer finds out.

Is It Cheaper to Just Leave the Car?

This is a brutal question, but it’s one worth asking. If your car isn’t worth much, paying hundreds for insurance, release fees, and storage charges might not be worth it.

Here’s what happens if you don’t collect your car:

• After 7 working days, the police can scrap or auction it off.
• If you formally surrender the car, you might avoid further storage fees.
• If your car is auctioned, you won’t get any money from the sale.

If your car is worth less than the cost of getting it back, you might be better off letting it go and putting the money towards a new vehicle instead.

Points to Reflect On:: Cheap, But Not Too Cheap

Finding the cheapest impounded car insurance is all about shopping around, avoiding unnecessary extras, and going straight to specialist insurers.

But don’t go for the absolute rock-bottom price if it means risking an unreliable policy. If your cover doesn’t meet police requirements, you’ll just be sent away; wasting time and money in the process.

Need quick, reliable impounded car insurance at the best possible price? Click the button below for a quote or ring the number below for quotes and expert advice. The faster you sort it, the less you’ll pay in storage fees; so don’t wait.