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Entire Cover car insurance review

Entire Cover relates to all drivers and sources specialist car insurance for a wide range of cars. Read our analysis to make your own mind up about this insurance broker.

Entire Cover offers the usual levels of car insurance and says it can offer tailored policies for individuals with a driving conviction as well as drivers of classic, high-value and modified cars. What’s more, this broker has a range of extra benefits to enhance protection. Here’s what else we think you should know.

Who is Entire Cover?

Entire Cover is a broker that sources car and specialist car insurance, motorbike and van insurance and cover for convicted drivers.

Entire Cover is a trading name of Carole Nash Insurance Consultants Ltd, which is authorised and regulated by the Financial Conduct Authority.

What are Entire Cover’s levels of cover?

  • Third party. Third party cover is the minimum level of cover that Entire Cover offers. To be on UK roads, all drivers are legally required to have at least this level of car insurance. If you’re responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. You won’t be protected for any damage to your own car. And don’t assume this is the cheapest option because it offers the least protection. Sometimes, this cover may work out more expensive than comprehensive. Check each cover level to see which offers the best value for you.
  • Third party, fire and theft. You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
  • Comprehensive. This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.

What types of car insurance are available?

  • Specialist vehicle insurance. Tailored insurance for kit-cars, high-value, American and modified cars.
  • Classic car insurance. Specialist insurance for classic cars.
  • Young driver insurance. Telematics or “black box” insurance for inexperienced drivers.
  • Convicted driver insurance. Tailored insurance for drivers with a conviction.

What is covered under my Entire Cover policy?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people
Fire and theft
Accidental damage

Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on which insurer provides the cover.

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

Entire Cover offers policy bolt-ons including:

  • Vehicle breakdown cover
  • EU Cover
  • Key cover
  • Vehicle excess protection
  • Motor legal expenses
  • Replacement vehicle
  • Windscreen and glass cover
  • Tools in van cover
  • Personal accident cover
  • Accidental death cover
  • Gadget cover

General exclusions

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

  • You fail to pay for your premium
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence
  • 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 for further details to confirm your cover is valid.

How to save on your car insurance policy through Entire Cover

  • Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get third party.
  • 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 smaller and safer car 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 Entire Cover?

You should call the Entire Cover 24-hour claims line on 0800 953 8500 to report a claim.

You’ll need your policy number and information about the incident at hand before making a claim. And it’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

Frequently asked questions


Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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