Auto insurance is essential to protect yourself from financial risks caused by damaging your car, damaging someone else’s property or vehicle, injuring someone with your vehicle, and more.
With so many UK car insurance providers it would be easy to get overwhelmed, with many choosing policies based only on price through comparison websites, when finding an insurer it really should be a lot more, who offers the best coverage to a reasonable price, which provides an excellent level of customer service, efficient claims process, and accessible ways to administer policies and make payments.
Many have revealed the top 10 car insurance companies in the UK based on high customer service scores and complaint handling from financial services review companies, including Fairer Finance, as well as the quality of the coverage offered, including additional add-ons. These rankings are based on Bought by Many data for August 2021.
1. Direct line
Direct Line rises from fourth place in 2020 to rank first this year due to its excellent customer service, individual discount for various cars, and comprehensive policies, particularly commercial auto insurance.
Direct Line Group has multiple brands, products, and distribution channels to provide customers with various options to protect their cars, homes, pets, businesses, and travel plans. Their auto insurance solutions aim to provide affordable yet high-quality policies by offering benefits such as a guaranteed rental car, subsequent travel, and a fair claim commitment.
Admiral is a UK-based insurance company specializing in car insurance. The insurer outperforms almost every other company on the list, moving from 10th to 2nd place. It received an overall rating of 8.9 out of 10 from customer reviews verified by software company Reevoo and scored 9.1 for ease of purchase, 8.9 for clarity of policy information, and 8.7 for value for money.
Admiral auto insurance is divided into three levels of coverage: comprehensive; only the third party; and to third parties, fire and theft. Their comprehensive plan provides the most coverage – it covers third parties, fire, theft, and the cost of repairing or replacing the vehicle if it is involved in an accident or maliciously damaged. It also has numerous benefits, including windshield coverage, a courtesy car, and extended coverage for policyholders who drive abroad.
Aviva was recognized by Bought by Many as one of the best multi-car suppliers in the UK, offering up to 10% discount on multi-cars. The discount does not apply to optional extras, but customers can insure up to five vehicles under one policy and they must be registered at the same address. Its commercial vehicle insurance was also praised as it provides coverage for people who travel between different locations for work purposes.
Aviva plc is a multinational insurance company serving more than 33 million clients in 16 countries. Your auto insurance coverage levels include comprehensive insurance, as well as a third party, fire, and theft insurance.
Comprehensive insurance covers loss or damage to the owner’s vehicle, liability, uninsured motorists, vehicle repossession, driving of other vehicles, legal costs, motor injuries and comes with an individual discount with no claim.
4. John Lewis Finance
John Lewis Finance secures fourth place, thanks to its high scores for customer service and complaint handling from the research and rating agency Fairer Finance.
John Lewis Finance has been offering quality financial solutions at competitive prices for over 150 years. Your auto insurance offers fuel failure coverage, uninsured driver protection, friendly expert services, a courtesy car, post-trip coverage, and 90-day European coverage. It also allows customers to modify their policies through optional extras like legal protection, car breakdown, and a no-claim-protected discount. His policies are underwritten by Covea Insurance plc.
Hastings enters this year’s rankings in fifth place. It is one of the UK’s leading P&C providers, with over 3.1 million actual customer policies and over 3,300 employees at its Bexhill, Leicester, Gibraltar and London offices. Around 90% of the company’s policies are directly underwritten by the group’s insurer based in Gibraltar, Advantage Insurance Company Limited.
Hastings offers flexible auto insurance with multiple benefits, giving policyholders the freedom to add optional features, including enhanced coverage for personal accidents, breakdowns, motor legal expenses, and key protection.
Churchill Insurance was considered to provide one of the best individual insurance policies for various cars and commercial cars in the UK.
Founded in 1989, Churchill Insurance was one of the first direct car insurance providers in the UK. Their auto insurance has a 24-hour emergency helpline, repairs guaranteed 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 between a replacement, an upgrade, or money when the car pays for itself.
Churchill is also well known for its affordable DriveSure telematics insurance policy, which was designed to help young drivers drive safely and lower their premiums.
Civil Service Insurance Society (CSIS) is a specialized provider for people in the civil service. Of all the insurers considered for the list, it had the best overall customer experience rating. Policyholders report that CSIS’s complaint handling process is outstanding, with a customer satisfaction rating of more than 97%. The insurer recently won a Times Money Mentor Gold Award for customer experience. A key feature of their auto insurance products is the availability of interest-free monthly installments with no fees or administrative charges.
As a non-profit organization, CSIS donates all proceeds to civil and public service charities through its partner, the CSIS Charity Fund. In the last decade alone, the insurer has donated more than £ 7 million to various charities.
8. Bell insurance
Bell Insurance is part of the Admiral Group. He specializes in car insurance for young, safe and first-time drivers. The insurer uses “plug-and-drive” black box technology to ensure fair premiums. This telematics system is also open to experienced drivers, helping them reduce premiums through Bell’s safe driver scheme. Bell’s Safe Driver (Plug and Drive) policy was rated four out of five stars by independent financial researcher Defaqto.
9. Age Co
Age Co is known for providing financial products and services for people over the age of 50. It offers home and auto insurance, financial services and funeral plans, and independent living solutions.
Age Co’s auto insurance line is divided into 60+ insurance, 70+ insurance, and 80+ insurance. Customers can purchase comprehensive third-party fire and theft coverage, or exclusive third-party coverage.
Available benefits of Age Co auto insurance policies include a message relay service that allows policyholders to contact a friend or family member after an accident, coverage for permanently installed audio equipment, a service Get You Home, unlimited windshield coverage, engine breakdown coverage, and European coverage up to 180 days a year. It also has optional key protection, excess protection, and engine legal protection coverage.
10. Dial direct
Dial Direct is one of the UK’s largest insurance companies, offering auto, truck and home insurance products to over a million customers. Their policies include a wide range of features and benefits, allowing clients to select a comprehensive insurance product that is tailored to their needs and lifestyle.
Direct Dial’s comprehensive auto insurance policy covers loss or damage caused by accidental or malicious damage, fire, theft, or attempted theft or vandalism. If the insured’s vehicle is involved in an accident caused by an uninsured driver, any excess paid will be refunded. A contribution of up to £ 300 per claim also goes towards the cost of replacing the child safety seat. The insurer’s car insurance received a rating of 4.5 stars out of five on the TrustPilot consumer review website.