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Insure Pink car insurance review

Check out our review of Insure Pink’s car insurance to see if it can help you find cover for your car.

Insure Pink claims to source great value car insurance whilst also supporting breast cancer charities in the UK. What’s more, Insure Pink’s car cover is 5*-Defaqto-rated and can be enhanced with optional extras such as breakdown cover and legal expenses cover. Here’s what else we think you should know.

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Who is Insure Pink?

Insure Pink launched in 2008 and claims to source affordable car insurance whilst also supporting breast cancer charities in the UK by donating £10 to the Pink Ribbon Foundation with every policy sold.

Insure Pink also offers home and travel insurance.

Insure Pink is a trading name of Hastings Insurance Services Ltd, a well-known broker operating in the UK, which is authorised and regulated by the Financial Conduct Authority.

What are Insure Pink’s levels of cover?

Third party.
Third party cover is the minimum level of cover that is offered by Insure Pink. All drivers are legally required to have at least third party car insurance to be on UK roads. If you are 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 is covered under my Insure Pink policy?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people and property
Fire and theft
Accidental damage
Courtesy car cover
Windscreen cover
Audio and satnav cover
Key cover
90 days of EU cover
Personal belongings cover

Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Insure Pink.

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

Optional extras

Insure Pink offers extras that can be added to a car insurance policy. These include:

  • Breakdown cover
  • Legal expenses cover
  • Family legal expenses cover
  • Excess protection
  • Key cover
  • Personal accident cover
  • Replacement vehicle cover
  • Tools in transit cover

What policy exclusions are there?

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

  • You are paid to carry passengers.
  • 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.
  • Your car is used for rallies, races or competitions.
  • 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 do I make a claim?

Insure Pink has a 24/7 claims line that you can call on 0800 035 4260.

Insure Pink recommends you have the following to hand when you make a claim:

  • Your details and personal contact details.
  • Details about the incident such as date and time.
  • Details about the damage to your car and whether it is driveable.
  • Details such as names and telephone numbers of all third parties and their passengers involved in the incident.
  • Details of all passengers in your car and any witnesses of the incident.
  • Photo evidence, if available.

You’ll need to have your insurance policy details as well as all facts about the incident to hand.

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.

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.

Insure Pink pros and cons

Pros

  • A range of optional extras to enhance cover.
  • 24/7 claims line.
  • Uninsured driver promise with comprehensive.
  • 5*-Defaqto-rated car insurance policies.

Cons

  • Limited information about which levels of car insurance are available.
  • Limited information about car insurance policy features.
  • Amendments to your policy may incur administration fees.

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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