Damage to your automobile, damage to another person’s property or vehicle, harming someone with your vehicle, and other financial hazards can all be avoided with car insurance.
With so many car insurance providers in the UK, it’s easy to become overwhelmed – and many people choose policies solely based on price through comparison websites, when finding an insurer should be about much more: who provides the best coverage for a reasonable price, who provides excellent customer service, an efficient claims process, and easily accessible ways to manage policies and make payments.
Based on strong scores for customer service and complaint management from financial services review agencies like Fairer Finance, as well as the quality of the cover on offer, including additional add-ons, any has identified the top 10 leading auto insurance companies in the UK. These rankings are based on August 2021 data from Bought by Many.
1. Direct Line
Because to its exceptional customer service, individual multi-vehicle discounts, and comprehensive policies, notably business car insurance, Direct Line jumps from fourth place in 2020 to first this year.
Customers can secure their automobiles, homes, pets, businesses, and travel plans with Direct Line Group’s different brands, products, and distribution channels. Its vehicle insurance products are designed to be both reasonable and high-quality, with features including guaranteed rental cars, onward travel, and a fair claim commitment.
Admiral is an automobile insurance provider based in the United Kingdom. The insurer leapfrogs nearly every other company on the list, moving from 10th to second place. Customer reviews verified by software company Reevoo gave it an overall rating of 8.9 out of ten, with ratings of 9.1 for convenience of purchase, 8.9 for clarity of policy information, and 8.7 for value for money.
Admiral offers three levels of coverage for automobile insurance: comprehensive, third-party only, and third-party, fire, and theft. Its comprehensive plan offers the most coverage, including third-party liability, fire, theft, and the cost of repairing or replacing the vehicle if it is destroyed maliciously or in an accident. Windscreen coverage, a courtesy car, and extended coverage for customers driving internationally are all included.
Bought by Many named Aviva as one of the best multi-car suppliers in the UK since it offers up to a 10% multi-car discount. Customers can insure up to five vehicles under one policy and must be registered at the same address, although the discount does not apply to optional extras.
Hastings enters this year’s rankings in fifth spot. It is one of UK’s leading general insurance providers, with more than 3.1 million live customer policies and over 3,300 employees in its offices in Bexhill, Leicester, Gibraltar and London. Around 90% of the firm’s policies are directly underwritten by the group’s Gibraltar based insurer, Advantage Insurance Company Limited.
Hastings offers flexible car insurance with several benefits, giving policyholders the freedom to add optional features, including enhanced personal accident cover, breakdown, motor legal expenses, and key protection.
Churchill Insurance was deemed as providing one of the best individual multi-car and business car insurance policies in the UK.
Founded in 1989, Churchill Insurance was among the first direct motor insurance providers in the UK. Its car insurance has a 24-hour emergency helpline, guaranteed repairs for five years if the policyholder uses Churchill-approved repairers, a new vandalism promise, and a courtesy car as standard. It also allows customers to choose among a replacement, upgrade, or money when the car is written off.
Churchill is also well known for its affordable DriveSure telematics insurance policy, which was designed to help young drivers to drive safely and lower their premiums.
6. Age Co
Age Co is known for providing financial products and services for people over 50. It offers car and home insurance, financial services and funeral plans, and independent living solutions.
Age Co’s car insurance line is divided into insurance for the over 60s, insurance for the over 70s, and insurance for the over 80s. Customers can purchase comprehensive, third-party fire and theft, or third-party only coverage.
Available benefits of Age Co’s car insurance policies include a message relay service that allows policyholders to contact a friend or family after an accident, coverage for permanently fitted audio equipment, a Get You Home service, unlimited windscreen cover, motor breakdown cover, and European cover for up to 180 days annually. It also has optional key protection, excess protection, and motor legal protection coverage.