Age Co car insurance
- Defaqto 5-star car insurance
- 180 days of European cover
- No-claims protection as standard
- No upper age limit
Finding the right car insurance can be an uphill struggle, so it’s worth knowing the brands that get great ratings both from their customers and from analysts who look at what each policy offers.
The quality of insurance – and service – varies greatly even within comprehensive policies. You’ll find different levels of personal accident cover or in the amount of time you can drive abroad in Europe while covered by your existing policy.
We’ve reviewed the ratings from independent sources to create our Finder list of the UK’s top 10 best car insurers. Our list reflects the quality of cover these brands offer as well as the feedback their customers give about their service.
Formerly known as Norwich Union, Aviva is the UK’s largest general insurance provider. It’s currently putting an emphasis (though TV advertising) on treating existing customers as well as, if not better than, new customers.
Formed more than 300 years ago and currently operating in 64 countries, AXA is one of the biggest insurers in the world.
Acting as the commercial branch of UK charity Age UK, Age Co was set up in 2009 to offer financial products and services designed specifically for people aged over 50.
Direct Line’s mission from the very beginning has been to protect drivers and their cars. Since the 80s, it has grown to offer a number of other insurance products.
Toyota is one of the biggest car manufacturers in the world, with models to suit every budget. Its car insurance is not only suitable for Toyota models but also cars from other marques.
Saga began by offering travel insurance designed specifically for people aged over 50 but has expanded to offer a range of financial products and services including car insurance. It currently offers car insurance customers a “three-year price promise” to keep premiums the same as long as details remain the same.
Churchill is best known for its canine mascot, which has featured heavily across all its advertising campaigns over the years. It was also one of the first direct car insurers to operate in the UK.
Launched in 2001, More Than has become an insurance staple in the UK, offering a wide range of insurance products.
In 1997, Sainsbury’s became one of the first big supermarkets to create a bank in the UK. It claims to reward existing customers with preferential rates for a number of its financial products.
Set up in 1992, Rias offers a range of insurance products however, its car insurance is only offered at one level – comprehensive.
The real test of car insurance is what happens when you need to make a claim. That’s why it’s important to consider both the level of cover and the level of service. It’s no good having a courtesy car included in your cover if, in your hour of need, it’s not available or turns out to be a poor substitute for your own car.
No one wants to pay over the odds for their cover though, so it’s always important to review your premium each year and compare car insurance from different providers. Consider switching as you’re likely to save – some people save hundreds of pounds. If you do want to stick with your insurer, you can try haggling, as that’s common and usually effective.
When shopping for car insurance, one of the first factors you’re likely to consider is how much it costs. But remember that simply choosing the cheapest policy won’t always serve you well or provide the cover benefits you require. That’s when it’s important to compare policies.
It might also be worth taking a look at and researching the insurance companies themselves. A good way of doing this is to see what other customers think about their insurer. In particular, you could look at the standard of its cover, how easy it is to be contacted and how it handles claims. Another way to help with your decision-making is to find out about any complaints about an insurer. Above all, doing your research is key and finding the above information out about an insurer should go some way in making your decision more informed.
Finding a car insurer with the best customer service can mean much more than a friendly “hello” on the other end of the phone line. An insurer’s customer service will really only speak volumes when something goes wrong with your car and you need to get in touch to explain the situation and make a claim. Ask yourself these questions about a potential insurer to help you decide whether it will be up to the job or not:
Is the claims process clearly explained? If there are several communications channels in which you can make a claim, this could make it easier for you to make a claim.
Find out how long you can expect to wait to speak to someone or how long a claim might take to process.
An insurer should, in theory, let you know how your claim is progressing. However, think carefully about whether you’ll have to do a lot of chasing or ringing around.
Will I have to pay extra and waste a lot of time and energy in the process. Consider how flexible an insurer is with changes to a policy.
Generally, the more expensive a car is, the more it is likely to cost to insure it. If you’re thinking high performance and sports cars will be expensive to insure, then you’d be right as they tend to cost a lot more to buy and are unfortunately, more appealing to thieves.
Every new car in the UK is given an insurance group rating, which helps insurers understand which cars will cost more to insure and which cars will cost less to insure. And sports cars and high performance models definitely have some of the highest group ratings out there. On the other end of the rating scale are the smaller and safer cars, which cost less to insure. These are likely to cost less to buy and repair, which is likely to result in lower premiums.
If you have your heart set on a particular car, do your research before making the purchase to assess whether you can afford the insurance premiums that will follow.
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