Autosaint car insurance review

Are you worrying about the cost of your car cover because you’re a learner driver or just newly qualified? We’ve analysed the telematics car insurance policies that Autosaint specialises in, which require a box to be fitted to your car to monitor your driving. This award-winning insurance broker says this means lower premiums for safe drivers. Here’s what else you need to know.

Who is Autosaint?

Since being established in 2010, Autosaint has specialised in telematics technology. Customers get a black box fitted to their car as standard to monitor driving and braking habits, and Autosaint will base premiums on these habits. This broker caters to a range of drivers, including learner and young drivers.

Autosaint is a trading name of Fresh Insurance Services Group Ltd.

• Who underwrites the car insurance from Autosaint?

  Autosaint works with a panel of insurance companies such as Ageas, Aviva, Covea, Markerstudy, LV= and Sabre.

  The company is authorised and regulated by the Financial Conduct Authority.

What are Autosaint’s levels of cover?

Autosaint offers two levels of cover; it doesn’t offer third party cover on its own.

• Third party fire and theft
• Comprehensive

Optional extras

Autosaint offers optional extras including:

• Breakdown cover
• Legal protection
• Key care
• Excess protection

General exclusions

Any cover arranged through Autosaint is likely to become invalid if any of the following arises:

• Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
• Your car is used for rallies, races or competitions.
• You fail to pay for your premium.
• You are paid to carry passengers.
• You change your car during the policy term to a car that the insurer cannot cover.
• You do not provide the correct documents to support your application.

Check your policy document for further details to confirm your cover is valid.How to save on your car insurance policy through Autosaint.

Are there ways to save on the cost of insurance?

• Check comprehensive. Contrary to what you might think, comprehensive cover can often be cheaper than third party, fire and theft so it’s always worth checking. This is because of the risk profile of many drivers who choose third party or third party, fire and theft.
• Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
• Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
• Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
• Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium.
• Drive carefully. You driving and braking habits will be monitored closely through the black box fitted to your car so consistent safe driving is likely to lower your premium.

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Autosaint?

You should call the Autosaint claims line on 01527 758352 to report a claim. You’ll need to have your insurance policy number and all details relating to the incident, including third party and witness contact details. It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

Frequently asked questions

• Do I need to have a black box fitted to my car with Autosaint?

  Yes. Autosaint only offers telematics car insurance so you would need to have a black box fitted to your car after taking out a policy.

• Can I get insurance that starts immediately?

  Yes. If you wish, insurance from Autosaint can start instantly. The black box must be fitted to your car within 7 to 14 days of the insurance starting, which Autosaint will arrange. However, you’ll be permitted to drive without it until it’s fitted.

• How long is a quote from Autosaint valid for?

  A quote from Autosaint is only valid on the day it is provided.

• Can I pay for my car insurance in monthly instalments?

  Yes, Autosaint offers policies that can be paid in full or by monthly direct debit payments.

• Can I get temporary car insurance with Autosaint?

  Yes. However, this temporary insurance is offered from only one of Autosaint’s partner insurers. From the Autosaint website, you will be redirected to the temporary insurance provider’s website.