How we built this list
We took the 2024 and 2025 Euro NCAP results and filtered to cars that scored above 80% across all four assessment areas (adult, child, vulnerable road users and safety assist).
The top 10
1. Volvo EX30 — Highest score of any small SUV in the 2024 round. Volvo safety DNA. Typical finance from around £325/mo.
2. Volvo XC40 — Five stars every time it's tested. Family favourite for a reason. Typical finance from around £365/mo.
3. Kia EV3 — Five-star EV with genuinely impressive child-occupant scores. Typical finance from around £315/mo.
4. Skoda Kodiaq — Big seven-seater with an outstanding score across all four categories. Typical finance from around £379/mo.
5. Tesla Model Y — Consistently top of the safety-assist category thanks to sensor suite. Typical finance from around £420/mo.
6. Hyundai Kona Electric — Five stars, standard tech pack includes driver-monitoring and lane-centring. Typical finance from around £319/mo.
7. BMW 5 Series — Highest score of any premium saloon tested in 2024. Typical finance from around £645/mo.
8. Nissan Qashqai — British-built, five stars, family-friendly interior. Typical finance from around £290/mo.
9. Toyota bZ4X — Full five stars, standard active safety across all trims. Typical finance from around £355/mo.
10. Cupra Terramar — Newer entrant, five stars and genuinely fun to drive too. Typical finance from around £389/mo.
How to finance one on Car Finance UK
All ten models above are regularly approved through our lender panel on HP and PCP. Getting a personalised quote takes two minutes and uses a soft credit search only, so it won't leave a footprint on your credit file.
Once you've picked a shortlist, our team can pre-approve you at a specific budget so you walk into any UK dealer with your finance already sorted. You can bring your own car in from an online marketplace too — we're not tied to any single retailer.
A quick word on the numbers
Monthly-payment ranges above are indicative for a 48-month HP deal at a representative APR for a good-credit driver, no deposit, and mid-trim pricing. Your actual quote depends on your credit profile, deposit, mileage and the specific dealer price. Use our calculator page to model your own figures.
