Top 10 Safest Cars Available to Buy

Family searching for the safest cars to buy

If you’re in the market for a new vehicle, you’re undoubtedly looking out for one of the safest cars around – particularly if you’re searching for a family upgrade. Driving is great for so many reasons that we hardly need list here, but accidents can still happen. Consequentially, getting behind the wheel of a vehicle that you trust can help ease any concerns you may have.  

As vehicular technology has improved, the safety of cars has also risen – some are even sophisticated enough to prevent accidents from happening in the first place. Euro NCAP (European New Car Assessment Programme) is an independent organisation that crash-tests new cars, using a star rating to each model depending on its safety. Factors like child protection, adult protection, safety assist systems, and vulnerable road-user protection are all considered. That way, consumers have the ability to gauge which are the safest cars independently of brand marketing. 

We’ve put together a list of the top 10 safest cars according to their tests – read on to find out more. 

The safest cars: Euro NCAP rated 

Every two years, the Euro NCAP toughen up their testing, in order to ensure that the process is as robust as possible. To date, only nine cars have been tested in 2021 – and only seven rank five-star for safety. As such, the top 10 safest cars ranked below are a combination of 2021 and 2020 tested vehicles. 

Don’t worry though, 2020 results are directly comparable to 2021 results – in 2020, the organisation introduced a new series of stringent safety tests which have also rolled over to 2021 testing. The same guidelines will continue to be implemented into 2022 – in 2023, the organisation will introduce updates.  

Let’s take a look at the safest cars in 2021 and 2020 as ranked by the Euro NCAP. 

1. Polestar 2 

This electric car – the second of Polestar’s – ranked consistently for safety across the board, making it the safest car in 2021. Scoring an 86% in the safety assists category, 89% in child protection, and 80% in vulnerable road-user protection, it was near-perfect in adult safety at 93%. The car itself is fairly pricey – but you’re paying for safety. What’s more, its safety will only improve through technology. This is because the car will automatically update via over-the-air software as it progresses. The model also boasts a high-tech cabin and has a significant range for an EV – great for those long-distance UK holidays. 

2. VW ID.4 

Another electric vehicle, the VW ID.4 is practical for families (it’s a 5-door SUV), and its high-tech safety systems – including a hazard warning system – earned it an 85% in safety assist. Plentiful airbags and a sturdy design offer further safety – it beat out its sister car the ID.3 in testing to earn second place in 2021’s safest cars. 

3. Skoda Enyaq 

Unless you’re a real motorhead, you’d be hard-pressed to tell the difference between this and the ID.4 – but the latter beat the Enyaq slightly in safety tests. 5% was lost in protecting vulnerable road-users (although it’s still a respectable 71%). In addition, it earned 94% on adult occupant safety rating. It’s also got plenty of space for families – so you don’t have to compromise safety for luggage space. 

4. Cupra Formentor 

If you’re on the hunt for a sports SUV that’s safe but still super fun to drive, the Cupra Formentor might just be for you. It boasts a dearth of cutting-edge safety kit – including automatic emergency braking to help mitigate road accidents. Even better, it achieved the second highest score for adult occupant protection at 93%. 

5. Genesis G80 

Slightly smaller than the Genesis GV80 SUV (listed below), this car nonetheless hit a five-star score for safety, with 91% for adult occupants and 87% for child. It also boasts an impressive suite of safety systems. As well as AEB through to speed assistance, there is also an active bonnet that works to cushion passengers in any emergency. At under £38,000, it’s also reasonably priced for a four-door saloon. 

6. Genesis GV80 

If you have a larger family – or are upgrading your vehicle for maximum space – this is undoubtedly one of the safest cars out there. Head, chest, and centre airbags ensure top marks for protection. Moreover, it secured 91% for adult protection and 87% for child protection scores. 

7. VW ID.3 

A sister to the ID.3 above, this VW is another electric family hatchback. Safety technology includes an advanced e-Call system, as well as land assist and speed assistance systems, earning the ID.3 an 88% in safety assist score. At 87% for adult occupant and 89% for child occupant, it’s a very sturdy option for any family. 

8. Seat Leon 

A firm family favourite, you’ll be pleased to hear that the Seat Leon scored five-stars for safety. Great to drive, plenty of space, and reasonably priced, this car will also keep you and yours safe. At 92% on adult occupant safety and 88% on child occupant safety, you can get behind the wheel knowing you’re well covered. 

9. Honda Jazz 

This car is great for nipping around more urban areas, as it is slightly smaller. It’s still one of the safest cars, however, scoring 87% for adult occupant and 83% for child occupant protection. Safety systems include AEB and one of the highest scores for pedestrian protection – matching only the Polestar 2. 

10. Toyota Yaris 

Toyota’s Safety Sense technology is a particular winner here, helping the Yaris snag an 85% on safety assist score. It may be small, but it’s still pretty mighty. In particular, it has a shape that’s designed to weather crashes well, and an 86% score for adult occupants and 81% for child. Plus, it’s still a five-door hatchback – so there shouldn’t be any irritated crawling over each other as the kids pile in. 

Questions? Talk to My Car Credit today 

If you’re looking to upgrade to one of the safest cars, chances are you’ll have a number of questions – not least ‘can I afford to buy a car’? My Car Credit is on hand to help with any queries you might have about car finance to fund your purchase. 

What’s more, we can help you find your next car through our approved dealers stock list. Check out quality used and nearly new cars from dealers we rate highly.  

With a large network of lenders, we’re committed to finding a fair, affordable deal for all drivers, whatever their credit history. Call us today on 01246 458 810 to find out more. 
 

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

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£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Baby on Board: Picking the Best Car for New Parents

baby sitting in baby seat in best car for new parents

As well as being an exciting time, becoming a new parent changes almost every aspect of your life. Your choice of car is no exception. Where you may have once let horsepower and performance rule your decision, now you’re more concerned about boot size and safety. Not to worry, we’ve put together a list of the best cars for new parents – including everything from compact hatchbacks to feature-packed SUVs.

Top vehicle choices for growing families

 

Compact car: Volkswagen Golf

Price range for a used Volkswagen Golf: £17,000 to £20,000

Don’t overlook the many benefits of smaller cars like the VW Golf. These offer practicality and can easily slot into supermarket parking spaces and navigate out of school car parks with tight bends. Inside, you’ll find plenty of space and a boot with 360 litres of luggage capacity. It’s one of the most spacious hatchbacks and best family cars around. In addition, it’s renowned for its low running costs and excellent handling.

Being both reliable and affordable, the VW Golf makes a great car for new parents. If you can’t buy a vehicle outright, consider reviewing your car finance eligibility. This will help you decide how you can fund your next vehicle when juggling the expense of a new baby.

Compact car: Ford Focus

Price range for a used Ford Focus: £9,000 to £12,000

Up and down the country, the Ford Focus is a well-loved vehicle for families and individuals alike. The latest models replace the once-cramped rear seats with a roomy passenger compartment in which three adults can comfortably sit. The boot is also bigger and more practical than before, with 341 litres of space.

The newer models come equipped with a Ford SYNC3 infotainment system. This features an eight-inch touchscreen complete with Apple CarPlay and Android Auto for sat-nav. With a Focus, you can expect all the safety tech that should be in a modern family hatchback. On top of this, you’ll enjoy smooth handling and great efficiency to boot.

Mid-Sized Estate Car: Skoda Superb

Price range for a used Skoda Superb: £7,000 to £34,000

If you want a bit of style with lots of space at an affordable price, then you don’t need to look much further than the Skoda Superb. It has an immense 625-litre boot space and 1,760 litres when the rear seats are folded down. Big on space and comfort, the Superb is very attractive for new parents who are often lugging around buggies, equipment and bags. But the space doesn’t stop there – it even has a place for umbrellas in the door. You’ll find this ideal when you’re loading and unloading the kids and it’s pouring with rain.

It’s quiet, low to the ground and is an overall delightful drive that is smooth and efficient. The newer models come with an electronic stability control system, seven airbags and a post-collision braking system. The five-star Euro NCAP safety rating means it ranks highly as a top family car. What makes it even better is the 60-litre tank that keeps you going for miles before stopping to refuel – an ideal feature with little passengers in tow!

Compact SUV: Skoda Karoq

Price range for a used Skoda Karoq: £12,000 to £26,000

It’s no surprise that Skoda is mentioned again; the brand is known for producing impressive family cars that are as practical as they are safe. The Czech firm continues to branch out into SUVs, and the Karoq is an impressive introduction. It has a bit more style compared to its Superb sibling with its sleek lines and height.

Skoda’s new Karoq is stylish, practical and incredibly safe with five stars in Euro NCAP tests. To sweeten the deal, it is surprisingly affordable. The boot offers a generous 521 litres, making it perfect for a new family with all the gear.

The wide-opening rear doors mean that you can slot the children’s car seats into place without any issue. The height of the SUV makes strapping children into their seats easy on your back. There are a number of handy rear seat features that make daily life easier. You’ll find a large box for gadgets and snacks between the front seats. There are also foldable tables for small children to use in the back. The rear-view camera and wide dashboard display help you navigate around busy school car parks and neighbourhoods with a clear view.

This vehicle won the ‘Best family SUV for £18,000-£30,000’ in the What Car? Car of the Year Awards 2019. You’ll enjoy travelling from the supermarket to the school to football pitches in style. Whether you choose petrol or diesel, running costs on this vehicle are surprisingly low.

Compact SUV: Vauxhall Crossland X

Price range for a used Vauxhall Crossland X: £8,000 to £23,000

The Vauxhall Crossland X has been designed to maximise space – and space it does offer. There is not only excellent headroom in the back that makes installing a child seat a snap, but the boot can hold 410 litres. This increases to 520 litres when you opt for sliding rear seats. With that said, there is more than enough room for a pram or pushchair.

This fantastic option is rated five stars in crash tests and 84 percent child occupant protection. You’ll feel confident that you are getting behind the wheel of a safe vehicle.

SUV: Audi Q3

Price range for a used Audi Q3: £19,000 to £52,000

Looking for a vehicle with plenty of boot space? One that will accommodate pushchairs, nappy bags, kids’ scooters and other must-have new parent items? How about a touch of luxury, too? The new Audi Q3 appeals to everyone, especially families, thanks to its fine balance of practicality and reliable SUV style.

It comes well-equipped with family-friendly features. Ranging from a first aid kid, split-folding rear seats, electronically operated child locks on rear doors through to seatbelt warning lights. Essentially, it has all the tech that new parents dream of.

This nifty SUV is powerful for open roads for road-tripping adventures. What’s more, the handling is delicate enough to navigate tight school car parks. The school run is a breeze with high safety ratings and intelligent airbag systems. You’ll experience all-round protection when you need it most.

Cruise the open road in your first vehicle

Ready to get behind the wheel of your first vehicle? At My Car Credit, we want to make securing car finance simple and accessible when you’re purchasing your first vehicle.

To find out how we can get you on the road, give us a call on 01246 458 810 or drop us an email at enquiries@mycarcredit.co.uk. One of our knowledgeable team members will get back to you as soon as possible.

Rates from 9.9% APR. Representative APR 10.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!